Rural Essential Access Provider (REAP) Loan Repayment Program eligibility details

Educational loans eligible for repayment
  • Federal and/or private commercial loans that were taken out for education and expenses directly related to the discipline in which you\'re currently practicing.
Educational loans not eligible for repayment
  • Loans that were consolidated with any other type of debt or another person's debt.
  • HRSA Primary Care Loans.
  • Parent PLUS loans.
  • Loans from a friend or family member.
  • You must be licensed at the time of application.
  • You are ineligible to apply if you have a conditional license as a result of a disciplinary action by your professional licensing board.
Employment status
  • You must have a negotiated employment contract and have started your first day of employment by the first day of the opening of the respective application cycle, March 1 or September 1. 
Service obligations
  • You cannot have another service obligation while you participate in the Rural Essential Access Provider Loan Repayment Program.
  • If your employer offers a signing bonus that obligates you to a period of service, that obligation must be waived before you can be awarded loan repayment.
  • You may apply to the Rural Essential Access Provider Loan Repayment Program and National Health Service Corps, but can accept only one award at a time.