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Primary Care Loan

 Medical students may qualify to receive a Primary Care Loan if they agree to enter and complete a residency training program in primary health care. Below is a listing of examples of acceptable Primary Care residencies and practices:


Medicine/Osteopathic Medicine: Approved 3-year residencies:

  • Family Medicine 
  • Internal Medicine
  • Pediatrics
  • Combined Medicine/Pediatrics
  • Preventive Medicine 
  • General Practice


Medicine/Osteopathic Medicine:

  • Primary Care Clinical Practice 
  • Clinical Preventive Medicine 
  • Occupational Medicine 
  • Public Health 
  • Senior/Chief Resident in primary care residency program
  • Faculty, Administrators, or Policy Makers certified in one of the primary health care disciplines
  • Geriatrics
  • Adolescent Medicine 
  • Adolescent Pediatrics 
  • Urgent Care {Campus Based Policy Memorandum 2003-1} 
  • Sports Medicine 
  • Training for Primary Care Faculty Career
  • Training for Public Policy Career
  • Master's in Public Health
  • Public Policy Fellowship 
  • Faculty Development Training 
  • Primary Care Fellowship 
  • Hospitalist


Medicine/Osteopathic Medicine:

  • Cardiology 
  • Gastroenterology
  • Obstetrics/Gynecology
  • Surgery
  • Dermatology
  • Radiology 
  • Rehabilitation Medicine
  • Physical Medicine 
  • Emergency Medicine 
  • Other Subspecialty Training or Certification

Application: The 2018-19 application will be posted on our Forms page shortly.

Deadline: Priority is given to complete applications received on or before priority deadline each year.  The application for 2018-19 will soon be available and will be due early in the spring 2019 semester.

Interest Rate: 5% - Interest does not begin to accrue until repayment begins.

Penalty Interest rate for non-compliant borrowers - Interest begins to accrue at the time of non-compliance : 7% for loans made on or after March 23, 2010 (2% above the compliant rate). 18% for loans made prior to March 20, 2010.

Does it have to be repaid? Yes  

If yes, when? Repayment begins following a 12 month grace period after borrowers cease to be enrolled as a full-time student. Repayment can be deferred during the completion of an approved residency.

For loans received on or after March 23, 2010, the borrower must practice in a compliant specialty until the loan is paid in full or for 10 years, whichever comes first. For loans received prior to March 23, 2010, the borrower must practice a compliant residency until the loan is paid in full. For more information, contact the Department of Student Financial Aid, (913) 588-5170 or email

Last modified: Oct 09, 2018