Loan Repayment

The family medicine specialty is in high demand throughout the country. Communities, hospitals, managed care organizations, and physician groups are all actively recruiting graduates of family medicine residency programs. Recognizing the demand for primary care physicians, the following loan repayment programs offer incentives for physicians who choose to practice in underserved areas:

State of Ohio Physician Loan Repayment Program
The Ohio Physician Loan Repayment Program (OPLRP) is a program in which American primary care physicians agree to practice primary care medicine full-time (40 hours per week) for a two-year period at an eligible site in a Health Professional Shortage Area (HPSA) or Health Resource Shortage Area. They also agree to provide services to all patients, regardless of ability to pay, and are required to accept Medicaid and Medicare patients, provide culturally appropriate care, and post appropriate signage indicating care is available to all. For the first two-year contract, selected applicants can receive up to $25,000 annually for repayment of outstanding health professions training debt. Clinicians who remain at their practice sites may be eligible to receive up to $35,000 annually for the third and fourth years.

  • Students to Service Loan Repayment Program (S2S LRP)
    The S2S LRP provides up to $120,000 to medical students (MD and DO) in their final year of school in return for a commitment to provide primary health care full-time for at least three years or part-time for at least six years at an approved NHSC site in a HIPSA of greatest need. Review the 2017 Application and Program Guide for detailed information.
  • Scholarship Program
    The scholarship pays tuition, fees, other education costs, and provides a living stipend in return for a commitment to work at least two years at an NHSC-approved site in a medically underserved community. Any student enrolled in an accredited U.S. medical school who is committed to primary care can apply.

Other Resource

The American Academy of Family Physicians offers an online debt management resource to help you develop a plan to finance medical school, identify specific strategies for covering those costs, and creating an annual budget timeline for reassessing those costs. This information will provide you with practical tools to better understand the issues and sources of aid as you apply to medical school.