North Carolina Rural and Community Health

Type Loan
Amount -


The shortage of primary health care providers in North Carolina is severe, particularly in the state’s rural areas. Also there is a severe shortage of dentists and dental hygienists who serve Medicaid, uninsured, and low-income patients. In response to this shortage, the state has pioneered innovative approaches for placing health professionals in its underserved communities. One of these approaches has been the development of practice incentives for primary care providers. Additionally, both the site and the provider must apply and be approved by the National Health Service Corps (NHSC). 

The practice incentives outlined are designed to assist health professionals who are interested in providing health care to the state’s under-served rural communities and to assist dentists interested in serving our Medicaid, uninsured, rural, and indigent patients. The information provided outlines the incentive programs offered, subject to availability of funds. Principle plus interest maximums are as follows: 

Federal: $60,000 at sites with HPSA score of 14+ and $40,000 at sites with HPSA score of 0 – 13 for 2-year commitment with opportunity to extend for additional years. For more information, go to the NHSC Home Page. 

State Loan Repayment: Principle plus interest maximums are $100,000 for physicians with a 4-year commitment, and $100,000 for general practice dentists with a 4-year commitment. The maximum for nurse practitioners, physician assistants, nurse midwives, and dental hygienists is $60,000 for a 4-year commitment. Interested? Contact us. 

High Needs Service Bonus: This incentive has been designed for those with no loans. The bonus maximums (assuming no loans) are $50,000 for physicians and dentists with a 4-year commitment and $30,000 for nurse practitioners, physician assistants, nurse midwives, and dental hygienists with a 4-year commitment. Interested? Contact us.

Placement Services’ Partners
Primary care providers in rural and underserved areas of North Carolina not only have the support of the Office of Rural Health and Community Care, they also have the support of the country's premier statewideArea Health Education Center program, the North Carolina Community Health Center Association, theNorth Carolina Academy of Family Physicians, four medical schools, and North Carolina Psychiatric Association. Working together, these organizations provide the technical and professional support missing in many rural areas of the country. With this support, provider stability and continuity of care for our rural and underserved residents are greatly increased.