We have provided these resources especially for Post Graduate Students and Residents. Below you will find different links to many helpful websites, full of information to help you through the repayment process.
Tips for Residency for graduating students.
Forbearance is a period during which your monthly loan payments are temporarily suspended or reduced. Your lender may grant you a forbearance if you are willing but unable to make loan payments due to certain types of financial hardships. During forbearance, principal payments are postponed but interest continues to accrue. Unpaid interest that accrues during the forbearance will be added to the principal balance (capitalized) of your loan(s), increasing the total amount you owe.
Access Forbearance Form
- FIRST is a program to help Residents make positive financial decisions.
- The Federal Government's new repayment plan, Income-Based Repayment.
- Apply online for Federal Direct Loan Consolidation.
- Find out more about the Federal Government's Public Service Loan Forgiveness Program.
Indian Health Service (IHS) Loan Repayment Program for American Indians and Alaska Natives.
NHSC Loan Repayment Program
The National Health Service Corps helps bring health care to those who need it most. Since 1972, we have been building healthy communities by connecting primary health care providers to areas of the United States with limited access to care.
More than 50,000 primary care medical, dental, and mental and behavioral health professionals have served in the National Health Service Corps since its inception.
The 2025 Cycle is closed. The 2024 National Health Service Corps (NHSC) Students to Service Loan Repayment Program (S2S LRP) opens February 2025 at 7:30pm E.T. Read the 2025 Application and Program Guidance carefully before you start your application.
About the program The National Health Service Corps (NHSC) Students to Service Loan Repayment Program provides up to $120,000 (tax free) to medical (MD and DO) or dental (DDS or DMD) students in their final year of school in return for a commitment to provide primary health care full-time for at least 3 years or part-time for 6 years at an approved NHSC site in a Health Professional Shortage Area of greatest need.
How to Manage Your Student Loans After Graduation.
LOAN REPAYMENT | SCHOLARSHIP- STUDENTS TO SERVICE
It's not too late to submit your application!
NHSC Loan Repayment Program
Don't miss this opportunity to apply for the National Health Service Corps Students to Service Loan Repayment Program (NHSC S2S LRP)!
Applicants may qualify for up to $120,000 in loan repayment for their medical, nursing and dental school student loans. Eligible health professional students in their final year of school receive the award in exchange for a three-year service commitment in a high-need rural, tribal, or urban community. Read the 2025 Application and Program Guidance (PDF-1.2 MB) carefully before you start your application.
- Students must be U.S. citizens or nationals and enrolled or accepted in an eligible
medical (MD or DO), dental (DDS or DMD), NP or CNM degree program at a U.S. accredited
school.
- Installments are paid to students annually in a tax-free lump sum.
- NHSC S2S LRP award recipients are eligible to continue service through the NHSC Loan
Repayment Program.
Need Additional Help?
For additional information, including a program fact sheet, visit the NHSC website. Find NHSC-approved sites on the Health Workforce Connector.
For other issues, contact the Customer Care Center at 1-800-221-9393, Monday through Friday from 8:00 a.m. to 8:00 p.m. ET (excluding federal holidays).
Public Service Loan Forgiveness
The Public Service Loan Forgiveness (PSLF) form is now available as an electronic link