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National Health Service Corps Loan Repayment Program

Program Description

The National Health Service Corps (NHSC) Loan Repayment Program (LRP) offers primary medical, dental, and mental and behavioral health care clinicians the opportunity to have their student loans repaid, while earning a competitive salary, in exchange for providing health care in urban, rural, or tribal communities with limited access to care.

Award Amounts

Two Years Full-Time:    Up to $50,000

Two Years Half-Time:    Up to $25,000

With continued service, NHSC clinicians may be able to pay off all of their student loans.

Tax Liability

Not taxable

Service Commitments

Full-Time Option:
Two years of full-time service (minimum 40 hours/week, 45 weeks/year) at an NHSC-approved site.
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For all health professionals, except as noted below: 32 hours/week providing patient care at an NHSC-approved site.
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For OB/GYNs, Certified Nurse Midwives, Pediatric Dentists, and Geriatric Service clinicians: 21 hours/week providing care at an NHSC-approved site; 19 hours/week providing patient care at an alternate site.
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No more than 8 hours/week may be spent on practice-related duties or teaching.
Half-Time Option:
Two years of half-time service (minimum 20 hours/week, 45 weeks/year)
* at an NHSC-approved site.
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For all health professionals, except as noted below: 16 hours/week providing patient care at an NHSC-approved site.
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For OB/GYNs, Certified Nurse Midwives, Pediatric Dentists, and Geriatric Service clinicians: 11 hours/week providing patient care at an NHSC-approved site; 9 hours providing patient care at an alternate site.
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No more than 4 hours/week may be spent on practice-related duties or teaching.

*Half-time practice is not available to those serving under the Private Practice Option (PPO). Learn more in the NHSC LRP Application Program and Guidance on the NHSC LRP web page.