Service Commitment Programs
With service commitment programs you owe time instead of money after your residency. Most are also looking for primary care physicians although the Armed Forces still allows some specialization.
The Armed Forces offer service commitment scholarships which pay tuition and fees, books and supplies, and give you a monthly stipend for living expenses. All require U.S. citizenship and acceptance or enrollment in a medical school.
Armed Forces scholarship selection boards look at:
- Undergraduate grade point average and school
- MCAT scores
- Work experience
- Extra-curricular and community activities
- Letters of reference
- Career potential
Applicants must also pass a physical exam. Several of the Armed Forces also offer loan repayment programs. Check out the national sites and feel free to contact the local recruiters as listed.
Sergeant First Class Gary Davis
999 Executive Parkway, Suite 203
Creve Coeur, MO 63141
Indian Health Service
The Indian Health Service offers service commitment scholarships which pay tuition and fees, books and supplies and provide a monthly stipend for living expenses. Applicants must be native American Indians.
Note that they also have a loan repayment program if you join after you complete your medical residency.
National Health Service Corps
The National Health Service Corps offers service commitment scholarships which pay tuition and fees, books and supplies and provide a monthly stipend for living expenses. National Health Service Corps selection guidelines give preference to students from poor and disadvantaged backgrounds and applicants with strong primary care career goals. After residency, participants are placed in areas where primary health care physicians are needed.
Note that they also have a loan repayment program if you join after completing your medical residency.
PRIMO Forgivable Loan Program
This is a forgivable loan offered by the state of Missouri. Recipients must be Missouri residents and going into primary care. Selected medical students can borrow up to $20,000 per academic year. Applications from previous PRIMO recipients, individuals from rural or underserved areas and minority individuals are given priority.
Upon completion of residency, recipients must serve in a defined need area of the state. Defined need areas are designated by the Missouri Department of Health as experiencing a shortage of comprehensive primary health care providers.
All funds received by PRIMO scholars accrue interest at the rate of 9.5 percent annually beginning from the date the check is issued. If a recipient does not fulfill his/her obligation, the loan must be repaid within 60 months.
Application is available at the PRIMO web site above. The deadline for new applicants for is June 30.