Loan Repayment and Forgiveness Programs

The following organizations enable students to repay loans, or earn loan forgiveness, in various ways.

Loan Repayment Programs

Arizona Loan Repayment Program

The Arizona Department of Health Services offers loan repayment programs for primary care and rural health care professionals.

Indian Health Service

The Indian Health Service offers loan repayment to health care professionals who commit to two years of service in facilities serving American Indian and Alaska Native communities.

National Institute of Health Loan Repayment Program

The National Institute of Health offers several loan repayment programs for health professionals whose careers are focused on medical or behavioral research.

Public Service Loan Forgiveness

This program from the U.S. Department of Education offers loan forgiveness to people performing “public service,” such as by working for the government or certain non-profit organizations. 

National Health Service Corp Loan Repayment Program

The U.S. Department of Health and Human Services offers loan repayment for primary care health care professionals who commit to two years of service in an underserved area within the U.S.

AAMC Loan Repayment/Forgiveness Programs

The American Association of Medical Colleges (AAMC) maintains an extensive list of state and federal loan repayment programs for medical and other health care professionals.

Loan Repayment Tools

AAMC Financial Aid Information

The AAMC provides useful information about financial aid for aspiring, current and past medical students:

Loan Repayment Calculator

Estimate your monthly payments with this tool from the U.S. Department of Education. You can either enter approximate loan information, or log in to the site to use your real loan data.

Salaries for Physicians/Health Care Practitioners

The U.S. Bureau of Labor Statistics calculates average salaries for different types of health care practitioners, including physicians. The AAMC also calculates starting salaries for physicians in various specialties.