Dental Student Loan Repayment Programs & Resources

Page 1 of 25

Prepared April 2022

Dental Student Loan Repayment

Programs & Resources

The following student loan repayment programs and resources are available to newly practicing

Dentists. The ADA has compiled the resources as a starting point for dental students and new dentists.

Note that other than the noted ADA resources, the ADA does not endorse or sponsor the listed

programs and resources.

Go to:

National Programs

State Level Programs

Resources

Prepared by: ADA Office of Student Affairs

Page 2 of 25

Prepared April 2022

National Programs

Civil Service

U.S. Department of Health & Human Services: The National Health Service Corps Loan Repayment

Program (NHSC LRP)

Offers loan repayment assistance in exchange for working (and partial credit for teaching) in rural, urban,

and frontier communities throughout the United States with limited access to healthcare (Health

Professional Shortage Areas or HPSAs).

Provides up to $50,000 tax-free in loan repayment for two years of full-time service at an NHSC

approved site in a Health Professional Shortage Area. Part-time options are also available.

With continued service, all providers may be able to pay off all their student loans.

Must have obtained a dental license in the state applying to serve to be eligible to apply.

For more information, please visit: http://nhsc.hrsa.gov/loanrepayment/, call 1-800-221-9393 or email

[email protected].

Additionally, the Student to Service Program of NHSC aims to recruit students in the final year of dental

school to enter into the program upon graduation.

U.S. Public Health Service: Commissioned Corps

Works in coordination with certain Federal agencies to help ease the financial burden of dental school and

may offer loan repayment and other educational and family support programs.

Offers up to $75,000 in signing bonuses for newly commissioned dentists with a four-year agreement.

Commissioned Corps officers may have access to the educational benefits provided in the Post-9/11 GI

Bill.

For more information, please visit: https://www.usphs.gov/professions/dentist/

Veteran Affairs: Education Debt Reduction Program (EDRP)

Provides education debt reduction for repayments to lenders up to $200,000 over a five-year period (up to

$40,000 annually).

Each Veterans Health Administration (VHA) facility determines which positions are hard to recruit and

retain and when EDRP is offered.

Additional details may be obtained through the Human Resources Department at each VHA facility and by

reviewing incentives offered in each job posting.

For more information, please visit: https://www.vacareers.va.gov/why-choose-va/education-support.asp

Veteran Affairs: Student Loan Repayment Program (SLRP)

Employees are eligible to receive up to $10,000 per year, with a lifetime maximum of $60,000, to help

repay student loans.

Please inquire further on the availability of the SLRP when submitting an application for employment.

For more information, please visit: https://www.vacareers.va.gov/why-choose-va/education-support.asp

Page 3 of 25

Prepared April 2022

Indian Health Services: Loan Repayment Program

Awards up to $40,000 for repayment of qualified loans in exchange for an initial two-year service obligation

to practice at an Indian health program site (see locations at https://www.ihs.gov/locations/)

The LRP pays directly to the participant (not the lender) the principal, interest, and related expenses

incurred for qualified educational loans.

Can apply if in possession of license to practice or in final year of dental school.

For more information, please visit: https://www.ihs.gov/loanrepayment/ or call 301-443-3396.

Military

Army: Healthcare Professionals Loan Repayment Program (HPLR)

Receive up to $50,000 to repay your dental school loans.

Payments are made over three years, in installments of $20,000, $20,000, and $10,000.

Participants may be eligible to participate in other incentive programs.

Must have current, unrestricted state dental license to apply.

May be eligible for additional sign-on bonuses and benefits.

For more information, please visit: http://www.goarmy.com/amedd/dental/corps_benefits.jsp or call 1-888-

550-2769.

Army: Health Professions Scholarship Program

If you're enrolled in an ADA-accredited D.D.S. or D.M.D. program, you may be eligible to receive full-

tuition scholarships for up to four years.

Additional funding is provided for books, academic fees and a stipend of more than $2,000.

During academic breaks, participants train alongside other U.S. Army health care professionals.

Qualifying dental students are also eligible to receive a $20,000 sign-on bonus.

Army: Active Duty Health Profession Loan Repayment Program (ADHPLRP)

Receive up to $120,000 to pay down your dental school debt.

Provides $40,000 a year for up to three years.

This program may be combined with the Health Professions Bonus, other bonuses, and benefits.

For more information, please visit: http://www.goarmy.com/amedd/dental/corps_benefits.jsp or call 1-888-

550-2769.

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Prepared April 2022

Navy: Health Professions Loan Repayment Program (HPLRP)

Receive up to $40,000/yr. (minus ~25% federal income taxes) toward dental school repayment.

Must be qualified for or hold an appointment as a commissioned officer in one of the health professions and

sign a written agreement to serve on active duty for a prescribed time period. Be enrolled as a full-time

student in the final year of a course of study at an accredited educational institution leading to a degree in a

health profession other than medicine, dentistry, or osteopathic medicine.

Be enrolled in the final year of an approved residency program leading to specialty qualification in medicine,

dentistry, or osteopathic medicine.

Air Force: Health Professional Loan Repayment Program (HPLRP)

Maximum repayment is $40,000/yr. for up to two years ($80,000 total), less about 25% tax liability.

Payments are sent directly to the lending institution on behalf of the ADHPLRP participant.

Participants incur an active duty obligation (ADO) for two years.

The program runs on the fiscal year and all completed applications must be received by August 1 for

consideration.

For more information, please visit: https://www.airforce.com/frequently-asked-questions/how-to-enter/what-

is-the-air-force-active-duty-health-professions-loan-repayment-program-adhplrp

For more information, please visit: https://www.med.navy.mil/Dental-Corps/ and

https://www.med.navy.mil/Special-Pays/, call 301-295-9977, or email (with subject heading “HPLRP”)

[email protected].

Page 5 of 25

Prepared September 2020

State Level Loan Repayment Programs

The American Dental Association prepared the following list of repayment programs to give dental

students and new practitioners an overview of options. This information is subject to change; contact the

programs directly for more information.

State

Available

Programs

Overview

Alabama NHSC

Only

This state only participates in the National Health Service Corp Loan

Repayment Program. There is no separate state funded program. See

NHSC LRP listing above under National Programs.

For more information, please contact the Alabama Office of Primary Care

& Rural Health.

http://nhsc.hrsa.gov/loanrepayment/index.html

[email protected]

334-206-5300

Alaska Yes Supporting Health Care Access through Loan Repayment

(SHARP I & II)

Seeks to recruit and retain selected professionals to provide service in

designated healthcare shortage areas in exchange for repayment of

qualifying education loans (35,000/yr. and $47,000/yr. for hard-to-fill

positions) and/or payment of direct incentive.

SHARP – I

Both the sites and their participating clinicians must provide

comprehensive primary care, hold two-year service contracts, and do so in

a federal designated primary care location (HPSAs).

Funded by 50% federal and 50% non-federal resources.

SHARP – II

Participating clinicians can work in a greater variety of healthcare sites,

not confined to HPSAs, and have three-year service contracts

(renewable).

Each participating site must contribute a partial employer match as its

clinician’s support-for-service payment.

For more information, please visit:

http://dhss.alaska.gov/dph/HealthPlanning/Pages/sharp/default.aspx

or contact Robert Sewell, Program Manager

907-465-4065 - [email protected]

Arizona Yes Primary Care Provider Loan Repayment Program (PCPLRP)

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Prepared April 2022

State

Available

Programs

Overview

Arkansas

NHSC

only

Rural Private Primary Care Provider Loan Repayment Program

(RPPCPLRP)

- Up to $65,000 for an initial two-year contract (renewable up to four years)

but varies based upon the priority ranking of the service site.

Loan repayment is in addition to a compensation package provided by

the service site and is considered tax-exempt.

Both programs follow the same guidelines except the PCPLRP qualifies

a service site that is public or provided, non-profit, and located in a HPSA.

The RPPCPLRP qualifies a private practice service site located in a rural

Arizona Medically Underserved Area (AzMUA).

Half-time options are also available.

For more information, please visit:

http://www.azdhs.gov/hsd/workforce/alrp/index.htm

or contact Ana Lyn Roscetti, Workforce Section Manager

602-542-1066 - [email protected]

This state only participates in the National Health Service Corp Loan

Repayment Program. There is no separate state funded program. See

NHSC LRP listing above under National Programs.

California Yes

California State Loan Repayment Program (SLRP)

Initial obligation award for $50,000 to repay qualifying loans for an initial

full-time two-year service obligation in areas designed as HPSA. Half-time

service commitments are also possible, with a four-year commitment.

Can be renewed for up to four additional years in exchange for

additional years of service ($20,000/yr. for extension years 1 and 2,

$10,000/yr. for extension years 3 and 4).

The California SLRP grant pays for half the award and the site is required to

match this award.

- Applicants must have a valid, unrestricted California license or certificate.

For more information, please visit:

http://www.oshpd.ca.gov/HWDD/SLRP.html

or contact 916-326-3700 or email [email protected].

Page 7 of 25

Prepared April 2022

State

Available

Programs

Overview

Privately

Funded

California Dental Association Foundation

Student Loan Repayment Grant –

Provides one individual up to $35,000/yr. for a maximum of $105,000

over

three years in exchange for a commitment to care for the underserved.

The program seeks to select dentist recipients who are likely to remain in

a California underserved area beyond the terms of the required contract.

Webb Family Grant

-Provides one individual up to $5,000 toward educational expenses.

For more information, please visit:

https://www.cdafoundation.org/grants-awards call 916-554-5923.

Colorado Yes

Colorado Health Service Corps Loan Repayment Program

Applicants are eligible for up to $90,000 for a three-year commitment,

although the program’s goal is to facilitate long-term retention in an

underserved Colorado community far beyond a service obligation.

Part-time commitments are also possible.

Providers in good standing have the option to apply for a one-year

renewal contract after the initial obligation and can be awarded up to

$30,000.

Must meet hourly requirements for direct clinical contact during

entire service obligation.

For more information, please visit:

http://coloradohealthservicecorps.org/

or contact Richard Marquez

at 303-691-4916 – info@coloradohealthservicecorps.org

Yes

State Dental Loan Repayment Program

Interested providers must apply using the Colorado Health Service Corps

application.

Participants must agree to serve at the same site, serving underserved

patients, for a term of two years.

Award amounts vary, based on numbers of Health First Colorado

(Medicaid), CHP+ and/or uninsured patients seen each month (between

$25,000 for 20 patients - $50,000 for 80 or more patients).

Learn more at: https://www.colorado.gov/pacific/cdphe/state-dental-loan-

repayment-program

Connecticut NHSC

only

This state only participates in the National Health Service Corp Loan

Repayment Program. There is no separate state funded program. See

NHSC LRP listing above under National Programs.

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Prepared April 2022

D.C. Yes DC Health Professional Loan Repayment Program (HPLRP)

Provides loan repayment benefits of up to $120,000 (repayment amounts

may change annually to adjust for inflation) over four years in exchange for

a commitment to practice at certified Service Obligation Sites.

Rates for repayment are as follows: 18% of the total eligible debt in year

one, 26% in year two, and 28% in years three and four (minimum of two

years required, with renewal options up to four years).

Both participants and sites must complete applications to participate in

the HPLRP.

For more information, please visit:

https://dchealth.dc.gov/service/dc-health-professional-loan-

repayment-program-hplrp or call/email 202-442-5955 –[email protected]

Page 9 of 25

Prepared April 2022

State

Available

Programs

Overview

Delaware Yes Delaware State Loan Repayment Program (SLRP)

- Provides awards up to $100,000 for a two year full-time commitment, in

an attempt to recruit health professionals to areas designed as HPSAs.

Depending on the type and location of the practice site, some awards

qualify to receive matching state and federal contributes and others are

funded with state-only dollars.

Participants may re-apply for contract extensions in one-year increments,

not to exceed a total of four years of loan repayment.

For more information, please visit:

http://dhss.delaware.gov/dhcc/slrp.html

or contact the Loan Repayment Coordinator at 302-739-2730.

Florida NHSC

Only

This state only participates in the National Health Service Corp Loan

Repayment Program. There is no separate state funded program. See

NHSC LRP listing above under National Programs.

Georgia NHSC

Only

Dentists for Rural Areas Assistance Program

-Up to $25,000 per year in a service-cancelable loan.

-Contracts are awarded for one year and are renewable for an

additional three terms (for a maximum of four years and $100,000)

-Dentists must provide direct patient care in medically underserved,

rural areas of Georgia.

For more information, visit:

https://healthcareworkforce.georgia.gov/loan-repayment-scholarship-

programs/loan-repayment-programs or contact Yvette Speight,

Contract Administrator, at yspeight@dch.ga.gov or 404-463-1057

Hawaii NHSC

Only

This state only participates in the National Health Service Corp Loan

Repayment Program. There is no separate state funded program. See

NHSC LRP listing above under National Programs.

Idaho NHSC

Only

This state only participates in the National Health Service Corp Loan

Repayment Program. There is no separate state funded program. See

NHSC LRP listing above under National Programs.

Illinois Yes Illinois NHSC State Loan Repayment Program

Provides a maximum of $50,000 for two years of service in a HPSA.

A third and fourth year can be added individually upon completion of

the initial two- year obligation.

For more information, please visit: http://dph.illinois.gov/topics-services/life-

stages-populations/rural-underserved-populations/slrp or call/email the

Illinois Department of Public Health 217-782-1624 – dph.slrp@illinois.gov.

Page 10 of 25

Prepared April 2022

State

Available

Programs

Indiana

Yes

Overview

Indiana Health Care Professional Recruitment and Retention Fund

Program

- Provides up to $20,000/yr. for full-time commitment of two years, renewable

for an additional two years to practice in a federally designed shortage area.

For more information, please visit: https://www.in.gov/isdh/28090.htm

Iowa Yes

Primary Care Provider Loan Repayment Program

- Requires a two-year practice commitment at a site located in a

HPSA.

Provides up to $50,000/yr. for full-time and $25,000/yr. for part-time.

Applications are accepted annually through a Request for Proposal

(RFP) process.

For more information, please visit: https://idph.iowa.gov/policy-and-

workforce-services/rural-health-primary-care/loan-repayment-

programs/primecarre or call Cristie Duric, Primary Care Officer, at 515-

229-3913 or email [email protected].

Priv

atel

Fun

ded

Fulfilling Iowa's Need for Dentists (FIND) program

-An extension of the Delta Dental of Iowa Loan Repayment Program

-Provides a $50,000 award for the repayment of dental education debt to be

used over a three-year grant period.

-Must work full-time and allocate 35% of patient load to underserved groups

during the grant period.

For more information, please visit:

https://www.deltadentalia.com/foundation/find/

Kansas Yes

Kansas State Loan Repayment Program

- Provides up to $25,000 annually in exchange for full-time service in a

public or non-profit private entity located in a HSPA.

- The initial service commitment is two years.

-Contract can be continued for up to three additional years, up to an

additional $45,000.

For more information, please visit:

tp://www.kdhe.ks.gov/296/Kansas-State-Loan-Repayment-

Program-SLRP or email

[email protected].

Page 11 of 25

Prepared April 2022

Kansas Initiative for New Dentists (KIND)

Expands the current loan forgiveness grant into a scholarship opportunity

for students while in dental school.

The sooner the student commits to the scholarship in dental school, the

more money s/he will be eligible to receive: 1st year – $100,000 total, 2nd

year – $75,000, 3rd and 4th year – $50,000 total).

- Awards of $75,000 require a four-year service commitment while

$100,000 awards require five years.

For more information, please visit: https://www.ksdental.org/resources/kind-

grants

Kentucky Yes Kentucky State Loan Repayment Program (KSLRP)

KSLRP is a 50/50 matching program.

The health professional must seek his/her own sponsors for the

1:1 match portion of funding

Award amount is up to $80,000 for a two-year obligation.

Participants must practice full-time in a HPSA.

For more information, please visit: http://ruralhealth.med.uky.edu/kentucky-

state-loan-repayment-program or contact Michael McGill or Lisa Garz at

[email protected] or 606-439-3557.

Page 12 of 25

Prepared April 2022

State

Available

Programs

Overview

Louisiana Yes

Louisiana State Loan Repayment Program

Provides up to $30,000 annually for an initial three-year commitment to

serve full-time in a HPSA.

Participants who complete their original commitment, remain in an eligible

site, still have educational loans to repay, and have been compliant with

all requirements may renew their commitment for two years.

For more information, please visit:

http://ldh.la.gov/index.cfm/faq/category/55 or

call

1-844-522-4323 or email [email protected].

Maine Yes

Maine Dental Education Loan Program

A forgivable loan program for Maine residents pursuing postgraduate

dental education and planning to work in Maine post-graduation.

To receive loan forgiveness, recipient of loan must practice full-time in an

underserved area in an eligible dental care facility.

Must be a Maine resident for a minimum of two years prior to

matriculation into dental school.

Recipients may receive up to $25,000/yr. for a total of $100,000.

For mor

e information, please visit:

https://www.famemaine.com/maine_grants_loans/maine-dental-

education-loan-program/

Maryland Yes

Maryland Dent-Care Loan Assistance Repayment Program

(MDC-LARP)

May receive up to $23,740/yr. for each year of obligated service up to a

maximum of three years of service.

To be eligible, must possess a valid unrestricted license to practice in

Maryland and be employed full-time providing care to a minimum of 30%

Maryland Medical Assistance Program (MMAP) recipients as a portion of

the total patient population per year.

For more information, please visit:

https://phpa.health.maryland.gov/oralhealth/pages/mdc-larp.aspx

or call the Maryland Dept. of Health and Mental Hygiene at

410-767-7899.

Page 13 of 25

Prepared April 2022

State

Available

Programs

Overview

Massachusetts

Yes

Massachusetts Loan Repayment Program for Health Professionals

- Provides up to $25,000 for a minimum of two years (with option to renew)

to providers employed at an eligible HSPA.

- While the program directly contracts with the care provider, the

application for this contract must be submitted jointly by the health

professional and the health care organization where they are or have a

contract to be employed.

For more information, please visit:

https://massleague.org/Programs/PrimaryCareProviderInitiatives/LoanR

epaymentPrograms-Other.php#MSLRP

or contact Nicole Watson at 617-624-6051 – Nicole.W [email protected]

Michigan

Yes

Michigan State Loan Repayment Program (MSLRP)

Provides up to $200,000 over an eight-year period to work in

HSPAs.

Each contract period is for two years, full-time.

Loan repayment agreements are funded through federal, state,

and local

funds from employer contributions toward their

employee’s loan repay

agreement.

For more information, please visit

http://www.michigan.gov/mdhhs/0,5885,7-339-71551_2945_40012---

,00.html

or contact Ken Miller at 517-241-9946 – [email protected]

Minnesota Yes

Minnesota State Loan Repayment Program (MN SLRP)

Provides funds for repayment of qualifying educational loans of up to

$20,000 annually for full-time primary care providers and up to $10,000

annually for half-time primary care providers.

Participants must complete a two-year service obligation in nonprofit

private or public sites located in HSPA (extensions for a third and fourth

year are subject to funds and program priorities).

Awards are paid by the State of Minnesota directly to the participant who

must then apply the award immediately to the eligible outstanding debt.

For mor

e information, please visit:

https://www.health.state.mn.us/facilities/ruralhealth/funding/repayment/inde

x.html or contact Brenda Flattum, 651-

201-3870

Brenda.flattu[email protected]

Page 14 of 25

Prepared April 2022

State

Available

Programs

Overview

Minnesota Dentist Loan Forgiveness Program

Receive up to $240,000 annually for a minimum three-year service

obligation in needed areas and facilities in Minnesota. Can be

extended for one additional year, to total $160,000 over four years

maximum, or balance of the designated loan, whichever is less.

Must practice for at least 30 hrs./wk. for at least 45 wks./yr. for a

minimum of three years and at least 25% of annual patient encounters

must include patients enrolled in state public programs or receiving a

sliding fee.

For more information, please visit:

https://www.health.state.mn.us/facilities/ruralhealth/funding/loans/

dentist.html or contact Brenda Flattum at 651-201-3870 –

[email protected]

Mississippi

Onl

Prior programs have been made inactive due to lack of funding. This

state only participates in the National Health Service Corp Loan

Repayment Program. There is no separate state funded program. See

NHSC LRP listing above under National Programs.

Missouri

Onl

This

state only participates in the National Health Service Corp Loan

Repayment

Program. There is no separate state funded program. See

NHSC

LRP listing above under National Programs.

Montana

Yes

Montana NHSC Student Loan Repayment Program

Provides loan repayment options for providers unable to receive NHSC

funding.

Grant provides $15,000 per year for two years.

For more information and to verify funding status, please visit:

https://dphhs.mt.gov/ecfsd/primarycare/SLRP

or contact Brandy Kincheloe at bkinchelo[email protected].

Page 15 of 25

Prepared April 2022

State

Available

Programs

Overview

Nebraska Yes Nebraska Loan Repayment Program

- Requires a 50% local employer match with state funds for a maximum of

$200,000/yr. (up to three years). Part-time employment is also eligible.

- Requires a minimum two- or three-year practice obligation in a state-

designated shortage area, which can be extended for two or three years

For more information, please visit: http://dhhs.ne.gov/Pages/Rural-

Health-Nebraska-Loan-Repayment-Programs.aspx

or contact Rachael Wolfe, Health Program Mgr. 402-471-0778 –

[email protected]

Nevada Yes Nevada Health Service Corps (NHSC)

- In exchange for loan repayment funds, each candidate agrees to provide

services to all patients, regardless of their ability to pay, in their assigned

community for a contractually specified period of time (typically two years

of full-time service).

Each application is evaluated individually and awards are made based

upon the funding available during that cycle.

All funds awarded under this program are to be used only for repayment

of education loans, and proof of payment in the amount of the award must

be submitted to the NHSC.

For more information, please visit:

https://med.unr.edu/statewide/programs/nevada-state-office-of-

rural-health/nevada-health-service-corps

or contact Keith Clark at 775-934-1717 –

[email protected]

New

Hampshire

Yes New Hampshire State Loan Repayment Program

- The state will offset qualifying education loans by up to $75,000 for a

minimum three-year full-time service obligation at a HPSA, with an

opportunity to extend for an additional two years at $40,000 (part-time

options available as well).

- Contracts are awarded first to applicants who have secured a one-to-one

match for each state dollar in the contract.

For more information, please visit:

http://www.dhhs.nh.gov/dphs/bchs/rhpc/repayment.htm

or call New Hampshire Rural Health and Primary Care 603-271-2276 or

email [email protected].gov.

New Jersey

onl

This state only participates in the National Health Service Corp Loan

Repayment Program. There is no separate state funded program. See

NHSC LRP listing above under National Programs.

Page 16 of 25

Prepared April 2022

State

Available

Programs

Overview

New Mexico Yes Health Professional Loan Repayment Program (HPLRP)

- Must be a New Mexico resident for 12 months to be eligible.

- Provides repayment for outstanding student loans for a two-year service

commitment to practice full-time in a designated HPSA.

- The maximum award amount is $25,000/yr. (up to $35,000 for working in

a HPSA) and recipients are eligible for renewal upon completion of their

two-year obligation.

For more information, please visit: https://hed.state.nm.us/financial-

aid/loan-repayment-programs/health-professional

or contact the Financial Aid Division Financial Aid Hotline at

1-800-279-9777.

New York Yes Primary Care Service Corps

- Full-time service providers are eligible for up to $30,000/yr. and they

must commit to at least two years at one or more eligible service sites

located in a New York State HPSA (extendable up to five years with a

maximum total award of $150,000). Part-time commitments are also

possible.

For more information, please visit:

http://www.health.ny.gov/funding/rfa/1205031010/index.htm

or contact Caleb Wistar at 518-473-7019 – [email protected]

North

Carolina

Yes

North Carolina State Loan Repayment

- Principal plus interest maximums are $100,000 for a four-year

commitment to assist with the shortage of dentists who serve Medicaid,

uninsured, and low-income patients.

For more information, please visit:

https://www.ncdhhs.gov/providers/provider-info/health-

care/recruitment-for-providers

or contact North Carolina Rural Health and Community Care at

919-527-6481 or email Shawanda Fields, Placement Services

Program Manager, at [email protected]c.gov

Page 17 of 25

Prepared September 2020

State

Available

Programs

Overview

North Dakota

Yes

North Dakota Federal State Loan Repayment Program

- Designed to attract dentists to practice in areas of need, this program

offers up to $50,000 per year for full-time practice or $25,000 per year for

half-time participants for a two-year commitment to practice in a HPSA.

- Funds must be matched 1:1 by facility/community organization.

For more information, please visit: http://www.health.nd.gov/nd-

communities/primary-care-office/federal-state-loan-repayment-slrp

Questions: http://www.health.nd.gov/contact

Yes

North Dakota Dental Loan Repayment Program

-Dentists must serve in a public health clinic, practice with a focus on

underserved populations, or a nonprofit clinic as identified by the State

Health Council.

-Can receive up to $100,000 for a full-time commitment of five years.

Payments are made annually.

For mo

re information, please visit: http://ndhealth.gov/pco/slrp.asp

or contact Bobbie Will at [email protected] or 701-595-2676.

Ohio Yes

Ohio Dentist Loan Repayment Program (ODLRP)

- Provides up to $25,000/yr. for the first two years and up to $35,000 for a

and 4

year (tax exempt) in exchange for a full-time two-year initial

contract with one-year renewals.

- Part-time participation is possible and participants will receive half

the full-time payment.

For more information, please visit:

https://odh.ohio.gov/wps/portal/gov/odh/know-our-

programs/primary-care-office/workforce-programs or call the Ohio

Department of Health at 614-644-8496 or email http://www.3rnet.org.

Oklahoma Yes

Oklahoma Dental Loan Repayment Program (ODLRP)

- Designed to increase the number of dentists providing accessible care to

underserved metropolitan and rural areas by providing educational loan

repayment assistance for up to a total of 25 Oklahoma licensed dentists for

a two- to five-year period.

Dentists entering the Program agree to teach at the University of

Oklahoma College of Dentistry if applicable faculty positions are available,

or provide dental care in a designated HPSA (minimum 30% of patients

treated during the service obligation or contract period must be Medicaid

recipients).

Award amount of at least $25,000/yr. is based upon the amount

of appropriated funds.

For more information, please visit:

https://www.ok.gov/health/Family_Health/Dental_Health_Service/Okla

homa_Dental_Loan_Repayment_Program/index.html

or email ODLRP@health.ok.gov.

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Oregon Yes Oregon Partnership State Loan Repayment (SLRP)

- Provides loan repayment of up to $5,000/yr. for an initial two-year

commitment, renewable for maximum amount of $100,000.

- Candidates must work in a HPSA designated service site for a

minimum two-year obligation, or four-year obligation for part-time

participants.

For more information, please visit: https://www.ohsu.edu/oregon-

office-of-rural-health/oregon-partnership-state-loan-repayment-

program-slrp

contact the Oregon Office of Rural Health 503-494-4450 –

[email protected].

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State

Available

Programs

Overview

Rhode Island Yes Rhode Island Dental Education Loan Repayment Program

Created to ensure a stable and adequate supply of oral health care

professionals to safety net sites across the state (providing services

regardless of patients’ insurance status or ability to pay).

In exchange for a two-year commitment, recipients are eligible for funds

up to $25,000 annually. Part-time commitments require a four-year

commitment.

Providers must work in a public or non-profit HPSA

For more information, please visit:

https://health.ri.gov/programs/detail.php?pgm_id=179

South

Carolina

Yes South Carolina Rural Dentist Loan Repayment Program

- Assists dentists in repaying educational loans by providing loan

reimbursement payments to dentists who agree to practice in HPSAs or

serve as full-time faculty at the Medical University of South Carolina

College of Dental Medicine.

Dentists are expected to treat at least 100 unduplicated Medicaid

patients.

Loan reimbursement payments cover the amount of all canceled loan

repayment checks submitted to the South Carolina Area Heath Education

Consortium (AHEC) or the dentist can provide AHEC with the proper

information needed to access his/her loans online and these can be paid

directly by the AHEC.

For more information, please visit:

https://www.scahec.net/professionals/recruitment.html

or contact Kristin Cochran, Director of Recruitment & Retention Programs at

[email protected].

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State

Available

Programs

Overview

South Dakota

Yes

South Dakota Recruitment Assistance Program

- Provides incentive payment in return for three continuous years of

practice in

an eligible rural community.

- The amount of incentive payment is up to $243,634, based upon

population size and

location, with the community providing a portion of the

payment.

-To be eligible dentists must be recruited to a community and practicing

less than

four months.

-There are currently three slots available to dentists.

For more

information, please visit:

https://doh.sd.gov/providers/ruralhealth/recruitment/R

AP.aspx or

1-800-738-2301.phone

Privately

Funded

Delta Dental of South Dakota Foundation Loan Repayment for Service

Program

- Provides financial assistance to repay qualifying educational loans to

providers who

agree to serve a selected percentage of Medicaid-insured

patients in their practice or

a combination of seeing patients in the practice

and serving in Delta’s Mobile Dental

Program.

- Total loan repayments may range from $40,000 to $100,000 depending

on the level

of service commitment made by the recipient.

For more information, please visit: https://www.sddental.org/public-

resources/careers-in-dentistry/load-repayment-program or contact

Delta

Dental of South Dakota - 1-800-627-3961 –

connie.halverson@deltadentalsd.com.

Tennessee Yes Tennessee State Loan Repayment Program (TSLRP)

- Issues a maximum award amount of $50,000 for an initial two year

service

obligation (renewable for a maximum of $20,000 per year) to

practice full-time

(part-time options available) at an ambulatory public,

non- profit or private non-

profit primary care site located in a HPSA.

For more information, please visit: https://www.tn.gov/health/health-

program-

areas/rural-health/tslrp.html or contact Tresea Donelson,

Program Coordinator

615-532-0195 – [email protected]

Texas NHSC

Only

Applications are no longer available for state-funded Loan Repayment

Programs.

This state only participates in the National Health Service Corp

Loan Repayment

Program. There is no separate state funded program.

See NHSC LRP listing above under National Programs.

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Utah Yes

The Health Care Workforce Financial Assistance Program (HCWFAP)

provides educational loan repayment assistance to healthcare

professionals. The program grants up to $50,000 in loan assistance for

dentists practicing in rural and underserved shortage areas, and are

designated as a Health Professional Shortage Area (HPSA)

For more information, contact Utah’s Office of Primary Care and Rural

Health at opcrh@utah.gov or call 801-688-3621.

You may also visit us at: https://ruralhealth.health.utah.gov/

Vermont Yes Vermont Educational Loan Repayment Program For Dentists

Awards up to $20,000/yr. and state awards must be matched 1:1

by employer or community funds.

Must be a Vermont resident, and must reapply annually for a maximum

of six years.

Recipient is required to practice a minimum of 20 hours per week and is

expected to accept patients with coverage under Medicaid, or other state-

funded health care benefit programs.

For more information, please visit:

https://www.med.uvm.edu/ahec/forms/educational-loan-repayment

or contact Rebecca Dubois, Program Coordinator, at 802-

656-2658 or [email protected]du.

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State

Available

Programs

Overview

Virginia Yes Federal Virginia State Loan Repayment Program (VA-SLRP)

- Participants may receive up to $140,000 for a four-year commitment at a

public or not-for-profit site located in a HPSA. The minimum commitment is

two years.

- The program requires a state or community 1:1 match.

For more information, please visit: https://www.vdh.virginia.gov/health-

equity/applications-and-forms/ or contact Olivette Burroughs at 804-864-

7431 – [email protected]nia.gov

Washington Yes State Health Professional Loan Repayment Program (SLRP)

- Rewards up to $75,000 for a minimum three-year service commitment, or

five years part-time, and each additional year’s amount is based on funds

available.

- In return for loan repayment, participants agree to provide service

in rural or underserved urban areas designated as HPSA.

For more information, please visit: https://wsac.wa.gov/washington-

health-corps

or contact Jaclyn Cook, Program Manager, at

health@wsac.wa.gov or 888-535-0747, option 5.

West Virginia Yes Dental Workforce Loan Reimbursement Program

- Provides up to $40,000 for an initial two-year commitment to practice in

an HPSA and up to $25,000/yr. for an additional two-year commitment,

maximum four years.

For more information and to apply, please contact:

Brandon Carman, Workforce Programs Manager,

at 304-558-4382 or email

[email protected].

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State

Available

Programs

Overview

Wisconsin Yes Dental Health Professions Loan Assistance Program (DHPLAP)

- Receive a maximum award of $50,000 toward qualifying education loans

for a three-year full-time commitment to serve in a HPSA.

For more information, please visit: http://www.worh.org/loan-repayment

or contact Kevin Jacobson at the Wisconsin Office of Rural Health

608-261-1888 – kmjacobson2@wisc.edu

Wyoming

Onl

Applications are no longer available for state-funded Loan Repayment

Programs. This state only participates in the National Health Service Corp

Loan Repayment Program. There is no separate state funded program.

See NHSC listing above under National Programs.

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Resources

ADA Department of State Government Affairs (SGA)

SGA tracks state-level loan repayment programs and other financial incentives to practice by state. In

addition, SGA monitors the legislative environment and produces a State Legislative Report and other

advocacy related news. You can access this information on www.ada.org or contact [email protected].

Dental Schools

Many dental schools and advanced programs may have financial assistance and loan repayment

programs. Contact your school’s financial aid office for more information. For a list of dental schools, visit

the link below.

A.org: Dental Education Schools & Programs

Constituent (State) Dental Societies

State dental societies may have information on state legislation affecting loan repayment or track

programs in your area. Contact your society staff for more information.

www.ada.org/societydirectories

American Dental Education Association (ADEA)

ADEA is the voice of dental education. Its members include all U.S. and Canadian dental schools and

many allied and postdoctoral dental education programs, corporations, faculty, and students. Listed below

are a handful of student loan resources available on ADEA’s Web site.

ADEA.org: Financing a Dental Education

In this section, you’ll find a PDF of State and Federal Loan Repayment Programs as well as a

comprehensive resource on financing a dental education as part of the ADEA Official Guide to Dental

Schools.

ADEA.org: Faculty Loan Repayment and Grant Programs

In this section, you’ll find links to a number of loan repayment and grant programs designed for faculty.

Examples of the programs include HRSA Health Professions Faculty Loan Repayment Program (FLRP)

and the HRSA Minority Faculty Fellowship Program (MFFP).

3RNet

The National Rural Recruitment and Retention Network (3RNet) helps health professionals find practice

opportunities in rural and underserved areas throughout the country. Any rural health facility—hospital,

clinic, health center, IHS facility, or private practice—can post job openings in primary care to the Rural

Recruitment and Retention (3RNet) Web site.

http://www.3rnet.org

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This document was developed by the ADA Office of Student Affairs (OSA). This information is current as

of September 2020. Due to fluctuating programs and funding, information in this document is subject to

change. Please contact the program directly for the most current repayment information.

For more information on ADA student membership or services, contact the OSA at 312.440.7470,

[email protected] or visit us at ADA.org/student.