Program Description

The PCL program provides long-term, low interest rate loans to full-time, financially needy students to pursue a degree in allopathic or osteopathic medicine. Loans to third and fourth year students may be increased to repay outstanding balances on other loans taken out while in attendance at that school.

Medical students receiving a Primary Care Loan must agree to enter and complete residency training in primary care within four years after graduation and practice in primary care for the life of the loan.

General Program Requirements

Applicants are eligible to apply for this loan at a school that participates in the PCL program if they are: a citizen, national, or a lawful permanent resident of the United States or the District of Columbia, the Commonwealths of Puerto Rico or the Marianas Islands, the Virgin Islands, Guam, the American Samoa, the Trust Territory of the Pacific Islands, the Republic of Palau, the Republic of the Marshall Islands and the Federated State of Micronesia; enrolled as a full-time student at an accredited, participating school in a degree program leading to a Doctor of Medicine or Doctor of Osteopathic Medicine; able to demonstrate financial need and provide financial information about your parents (independent students do not have to provide parental financial information, but must be at least 24 years of age and must provide documentation showing you have been independent for a minimum of 3 years); not in default on any federal loan and owe no federal grant refund; in good academic standing; and registered with Selective Service if required by law. Additionally, the school must be located in the United States, the District of Columbia, the Commonwealth of Puerto Rico, the Northern Mariana Islands, the U.S. Virgin Islands, Guam, American Samoa, the Republic of Palau, the Republic of the Marshall Islands, or the Federated States of Micronesia. Federally Recognized Indian Tribal Government and Native American Organizations may apply if they are eligible.

Your Next Steps

The following information will lead you to the next steps to apply for this program.

Application Process

For more information about this and other potential opportunities at HRSA, please visit the program webpage.

Program Contact Information

Jim Essel
Public Health Analyst
JEssel@hrsa.gov
301-443-5799

Additional Information

Length of ProgramVaries
Number of People Served by this Program (Approximate)2,966
Entities Eligible for Grant AssistanceFederally Recognized Tribes and Tribal Organizations, Non-Tribal Entities
Current Method of Tribal EligibilityProgram not specific to American Indians and Alaska Natives, but they are eligible
Do Tribes compete with other entities for funding from the program?Yes
Type of Assistance ProvidedRevolving Loan
Recurring Base Funding for TribesNo
Funding TypeDiscretionary
Catalog of Federal Domestic Assistance (CFDA) Number93.342
Matching Funds RequiredYes
Can the funding from the program be renewedNo

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