What Is the National Health Service Corps Loan Repayment Program?
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Applying for the NHSC
Eligibility for the NHSC
A U.S. citizen or national A provider in the Medicare, Medicaid, or State Children’s Health Insurance Program Fully trained and licensed to practice in an NHSC-eligible primary care medical, dental, or mental/behavioral health discipline in the state where you’ll work A health professional with qualifying student loan debt for education that led to your degree Working at an NHSC-approved site Physician (MD/DO) Physician Assistant (PA) Nurse Practitioner (NP) Certified Nurse Midwife Dentist (DDS/DMD) Registered Dental Hygienist Health Service Psychologist Licensed Clinical Social Worker Licensed Professional Counselor Marriage and Family Therapist
How the NHSC Works
Medical facilities in rural and urban areas Correctional facilities (state or federal) Free and community clinics Programs based in schools
Pros and Cons of the NHSC Program
Pros of the NHSC Programs
Up to $50,000 in loan assistance. If you work full-time, you could receive up to $50,000 toward your student loans. You may also have the option of extending your contract for additional loan assistance. Loan assistance is not taxable. You don't have to worry about paying taxes on the money you receive from this program. Two-year contract. If selected, you’ll get a two-year contract at an eligible site, along with student loan assistance.
Cons of the NHSC Programs
Program is competitive. With only 3,500 awards in 2022, there’s no guarantee you’ll be selected. Must work in a shortage area. Your options for where you work will be limited for at least two years to participate in this program. This requirement may or may not align with your career goals. May hinder progress toward Public Service Loan Forgiveness (PSLF). Participating in the NHSC LRP does not prevent you from pursuing PSLF. However, PSLF requires 120 qualifying payments, and your $25,000 or $50,000 assistance from NHSC will likely only count as a single payment. Unless you’re making other qualifying payments on a monthly basis, your progress toward PSLF could slow down.
Alternatives to the NHSC
Student Loan Refinancing
Student Loan Forgiveness Options
Student Loan Repayment Grants
Other NHSC Programs
NHSC Substance Use Disorder (SUD) Workforce LRP
NHSC Rural Community Loan Repayment Program
Students to Service Loan Repayment Program
Frequently Asked Questions
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