MEDICAL SCHOOL LOANS, EXPLAINED.
Sources & our approach
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Paying for school

Before another loan, look at aid that isn’t debt.

A funding plan can include grants and service-based programs.

Source check: September 13, 2026 · Educational overview

Start with the school

Ask about institutional grants, need-based aid, merit awards, emergency funding, and an aid review if your circumstances change. Compare net cost of attendance rather than tuition alone.

Consider a service commitment carefully

The NHSC Scholarship Program supports eligible health-profession students in exchange for qualifying service in shortage areas. Specialty, training, site, and service requirements can limit your choices. Read the current program guidance before deciding.

Make room for your future plans

Research military and state programs separately. Compare obligations, penalties, and career flexibility as carefully as the funding amount. An award is not unrestricted money.

Review NHSC requirements

Go to the source

HRSA · NHSC scholarships

Rules and account details can change. Official sources determine eligibility; this page does not.