Loan Repayment and Scholarship Options

Montana has many options available for loan repayment and scholarship opportunities for healthcare professionals.

Loan Repayment Options:

Click here for a printable version of the Loan Repayment Programs Reference Sheet


Montana State Loan Repayment Program

The Montana State Loan Repayment Program (SLRP) provides loan repayment funds for NP, PA, Certified Nurse Midwives, Dental and Mental Health Professionals working in Health Professional Shortage Areas.

The State Loan Repayment Programs has components similar to the federal NHSC loan repayment program. To be eligible for State Loan Repayment, the site and provider must enroll with federal and state programs (Medicaid, Medicare, SCHIP), post a sliding fee scale and assure that providers are practicing full time. Full-time practice is defined as 40 hours per week of patient care with no more than 8 hours devoted to practice-related administrative activities.  

Providers Eligible:

  • NP, PA, Certified Nurse Midwives, Dentist, Dental Hygienist, Mental Health Professionals including LCSW, Psychiatric Nurse Specialist, Marriage and Family Counselor, Health Service Psychologist and Licensed Professional Counselor

In exchange for 2 years of service

  • Applicants can receive up to $15,000 per year for 2 years, with a third year optional.

Note * Providers CANNOT receive Federal funds the same time as State Loan Repayment funds.

Please click here for an application. Funds are expended on a first-come, first-served basis, so don't wait to apply!

For more information on the Montana NHSC State Loan Repayment Program, please contact: Lisa Benzel at 406-683-2790.

Montana Rural Physician Incentive Program (MRPIP)

The Montana Rural Physician Incentive Program was established to encourage primary care physicians to practice in medically underserved areas of rural Montana. This program assists in the recruitment and retention of primary care physicians by providing debt-repayment benefits for medical education to physicians who practice in areas of the state that are medically underserved and that demonstrate the need for assistance in physician recruitment and retention.  Some specialists may be considered if the argument can be made that they are an integral part of a medically underserved area.

Program benefits allow payment of up to $100,000 toward the qualified educational loans of participating health professionals over a five year period of service in a location of need.

Eligible Providers:

  • Qualified Medical Student Loans, and
  • Have MD or DO Degree, and
  • Be eligible for licensure in the State of Montana

In exchange for practicing in rural areas or medically underserved population of the state:

  • $100,000 in total over a 5 year period (disbursed in 6 month increments)

$5,000— 6 mos. of service          $10,000—36 mos. of service
$5,000—12 mos. of service          $12,500—42 mos. of service
$7,500—18 mos. of service          $12,500—48 mos. of service
$7,500—24 mos. of service          $15,000—54 mos. of service
$10,000—30 mos. of service        $15,000—60 mos. of service

For more information about MRPIP, please contact Laurie Tobol at 406.444.0322 or

National Health Service Corps:

Full Time Loan Repayment Program
The National Health Service Corps (NHSC), through scholarship and loan repayment programs, helps Health Professional Shortage Areas (HPSAs) in the U.S. get the medical, dental and mental health providers they need to meet their desperate need for health care.  Since 1972, more than 30,000 clinicians have served in the Corps, expanding access to health services and improving the health of people who live in urban and rural areas where health care is scarce.

About half of all NHSC clinicians work in Health Resources and Services Administration (HRSA)-supported Health Centers, which deliver preventive and primary care services to patients regardless of their ability to pay. About 40 percent of Health Center patients have no health insurance.

Providers Eligible:

  • U.S. Citizen/National
  • Licensed Physicians, nurse practitioners, certified nurse-midwives, physician assistants, dentists, dental hygienists and a multitude of mental health providers

In exchange for two years of service in an NHSC approved Health Professional Shortage Area (HPSA)…

  • $60,000 toward repayment of student loans (or outstanding balance, if it is less than $60,000)
  • Potential for additional years of support

Half-Time Loan Repayment Program
Yes, clinicians working less than full time can participate in the National Health Service Corps Loan Repayment Program.

Clinicians participating in the NHSC Half-Time Loan Repayment Program receive $60,000 in exchange for the minimum 4-year service commitment or $30,000 for 2-year service.

Visit NHSC Loan Repayment Website for more information

Nursing Education Loan Repayment (NELRP)

NELP is a competitive program that repays 60 percent of the qualifying nursing educational loan balance of Registered Nurses (RNs) selected for funding in exchange for 2 years of service at a critical shortage facility (CSF).  The purpose of the NELRP is to assist in the recruitment and retention of professional RNs dedicated to providing health care in facilities with a crucial shortage of nurses and to provide an opportunity for RNs to consider a career in such facilities.


  • Has received baccalaureate or associate degree in nursing
  • Has current permanent unrestricted license as an RN in the State of which he/she intends to practice

In Exchange for two years of service in a critical shortage facility (CSF) designated area:

  • 60% of loan balance paid
  • 3rd year eligibility- receive an additional 25% of loan balance

For more information visit the Nursing Education Loan Repayment Program website.


Faculty Loan Repayment Program (FLRP)

The Faculty Loan Repayment Program helps eligible health professions faculty from disadvantaged backgrounds to repay their student loans.  The FLRP provides as much as $20,000 a year to eligible faculty members who apply to and are selected to receive funding from the program in return for a 2-year service commitment. Participants should also receive matching funds from their employing educational institution.  In addition, Faculty Loan Repayment Program participants receive a tax liability benefit.

Providers Eligible:

  • From disadvantaged background
  • Degree or enrollment in - Allopathic, Osteopathic, Podiatric, Veterinary Medicine; Public, Mental and Allied Health; Pharmacy, Optometry, Dentistry, Nursing (RN ONLY)

In Exchange for a 2 year employment commitment for a full time and part time faculty position at an eligible Health Professions School:

  • $20,000 per year
  • Receive matching funds from their employing educational institution

For more information visit the Faculty Loan Repayment Program website.


Indian Health Services Loan Repayment Program (IHSLRP)

The Indian Health Service Loan Repayment Program (IHSLRP) offers health care professionals the opportunity to lighten qualified student loan debts and help IHS meet the staffing needs of Indian health programs.  The goal of the program is to fill staff vacancies in Indian health programs, so the ranking system gives highest consideration to program staffing needs and shortages in specific health profession disciplines. It is open to health professionals who will commit to working in health facilities serving American Indians and Alaska Natives for a minimum two-year service obligation.


  • U.S. Citizen
  • Degree in a Health Profession and have a valid State License
  • IHS gives priority to American Indians and Alaska Natives

In exchange for 2 year service commitment to practice at an Indian Health Program Priority Site:

  • $24,000 per year
  • After initial 2 years, you may request an extension for additional $24,000 per year you serve until your loans are repaid

For more information on Indian Health Services Loan Repayment Program, Please Contact:
Indian Health Service
Loan Repayment Program


National Health Service Corps Scholarship Program

The National Health Service Corps Scholarship Program accepts applications once a year from students who are enrolled or accepted for enrollment at an accredited health professions training program in an eligible primary care discipline: medicine (MD or DO), dentistry, family nurse practitioner, certified nurse midwife or physician assistant. You can apply before your first year or after you have finished one or more years of school.

In exchange for 2 to 4 years of service in an NHSC-approved Health Professional Shortage Area...

  • Tuition, fees, other reasonable educational costs and living stipend

You will need to submit:

  • Proof of U.S. citizenship
  • Transcript
  • Resume detailing volunteer and work experience (no more than five pages)
  • Verifications and evaluations from your school

Visit NHSC Scholarship Website for more information


Indian Health Services Scholarship Program

The mission of IHS is to raise the physical, mental, social, and spiritual health of American Indians and Alaska Natives to the highest level. Because of the IHS scholarship program, many qualified health professionals are given the opportunity to pursue their career, as well as help their own communities.  Within 90 days of graduation or completion of training Health Professions (Section 104) scholarship recipients must start work in a full-time clinical position in their discipline at an approved site or be approved for deferment for additional training.

Health Professions scholarship recipients incur a service obligation of minimum period of two years. The law requires that, after graduation or completion of training, the scholar fulfills this service obligation in any of four ways:

  • Through service with the IHS
  • In a program conducted under a contract or compact entered into under the Indian Self-Determination Act  as IHS amended
  • In an Urban Indian organization assisted under Title V of the Indian Health Care Improvement Act as amended
  • Through private practice in a designated health professions shortage area addressing the health care needs of a substantial number of Indians

For more details and a list of requirements download the Application Handbook

The Preparatory Scholarship Program

  • The Preparatory Scholarship Program provides financial assistance for American Indian and Alaska Native (federally or state-recognized) students only to enroll in compensatory or preparatory courses leading to entry to health professional schools such as nursing, pharmacy and others. Compensatory courses are those required to improve science, mathematics or other basic skills and knowledge. Preparatory courses are pre-professional studies required to qualify for admission to a health professions program.
  • Preparatory Scholarship support is paid for 10 months each academic year, with re-application required for each year of continuation. Funding is available for up to two academic years full-time or four academic years part-time. Support covers the costs of compensatory and pre-professional education that enables the student to qualify for enrollment or reenrollment in a health professions school, i.e., freshman and sophomore years of study leading to a bachelor's degree in a priority health profession.

Health Profession Pre-Graduate Scholarship Program

  • The Pre-Graduate Scholarship Program provides financial support for American Indian and Alaska Native (federally or state-recognized) students only to enroll in courses leading to a bachelor's degree in specific pre-professional areas such as pre-medicine, pre-dentistry and others as needed by Indian health programs.
  • Pre-Graduate Scholarship support is paid for 10 months each academic year, for up to four academic years full-time or eight academic years part-time, for studies leading to enrollment in an accredited professional school. Re-application is required for each year of continuation.


Health Profession Scholarship Program

  • The Health Professions Scholarship Program is for American Indian and Alaska Native students, who are members of their Tribe (federally recognized only), enrolled in health professions and allied health professions programs. Students incur service obligations and payback requirements on acceptance of funding from this program. Priority is given to graduate students and junior- and senior-level students unless otherwise specified.
  • Health Professions Scholarships are awarded for a one year period (12 months of support), with re-application required for each year of continuation. Stipends are paid for the 12-month period beginning each year from August 1 through July 31 for health and allied health professional education up to four years full-time or up to eight years part-time.

For more information on the Indian Health Service Scholarship Program visit the website

Do not hesitate to come visit us at our office to find out more about available scholarships, loan repayments, employment opportunties, training programs, and other education opportunities in health care!

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