Primary Care Loans

Type Loan
Amount -


The Primary Care Loan 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

Eligible Disciplines

Under this program, funds are awarded to accredited schools of

  • allopathic medicine
  • osteopathic medicine

Eligible Applicants

You are eligible to apply for this loan at a school that participates in the Primary Care Loan program if you 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.

How Do I Qualify for a PCL?

  • Be enrolled as a full-time student in a degree program leading to a doctor of medicine or doctor of osteopathy
  • Be a United States citizen or eligible non-citizen
  • Provide financial information about your parents
  • Demonstrate financial need
  • Owe no federal grant refund and be in default on no federal loan
  • Maintain good academic standing
  • Register with Selective Service if required by law