Loan Repayment and Forgiveness


The AAMC maintains a searchable database of state and federal loan repayment/forgiveness and scholarship programs.

Federal Student Loan Repayment and Forgiveness

 The U.S. Department of Education provides federal loan repayment and forgiveness information on its website, including:

  • Loan repayment plans, such as Income-Driven Plans, which are designed to make student loan debt more manageable by reducing monthly payment amounts.
  • Loan forgiveness, including Public Service Loan Forgiveness (PSLF).
  • Loan consolidation, which allows multiple federal education loans to be combined into one loan. This results in a single monthly payment instead of multiple payments.

National Health Service Corps Students to Service Loan Repayment Program

The National Health Service Corps (NHSC) Students to Service (S2S) program provides up to $120,000 in loan repayment for a minimum of three years of service. To apply, students must be entering their final year of medical school, planning to complete a primary care residency in an NHSC-approved specialty (Internal Medicine, Family Practice, Pediatrics, OB/GYN, Psychiatry, Geriatrics), commit to serve in NHSC-approved Health Professional Shortage Areas with the greatest need, and have unpaid government or commercial education loans.  

Veterans Affairs Education Debt Repayment and Loan Forgiveness 

Opportunities exist for loan repayment and forgiveness for health care providers who are employed by the U.S. Department of Veterans Affairs.