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Loan Repayment Programs

In an effort to help guide faculty and staff, the Department of Psychiatry has collated information on various workforce loan repayment programs. Please note that the following  guidelines are for general purposes only, and confirm all specifications, requirements, and awards with representatives of each program. 

Click on any of the following programs for more information: 

State of Maryland: SLRP & MLARP

State of Maryland: State Loan Repayment Program (SLRP) & Maryland Loan Assistance Repayment Program (MLARP)

Click here for the website

The State Loan Repayment Program (SLRP) is a federal program that requires a 1:1 match to the Maryland Loan Assistance Repayment Program (MLARP). The SLRP provides educational loan repayment funds to physicians and physician assistants under a 2-year obligation in a Health Professional Shortage Area (HPSA) in primary care or mental health (Family Practice, Geriatrics, Internal Medicine, Pediatrics, Obstetrics and Gynecology, and Psychiatry). The MLARP provides educational loan repayment funds to physicians, physician assistants, and medical residents who serve a 2-year obligation in a HPSA, Medically Underserved Area (MUA), state-designated health professional shortage area, or site that treats patients regardless of payment status. Specialties include: Adult, Emergency Medicine, Family Practice, Geriatrics, Internal Medicine, Mental Health, Obstetrics and Gynecology, Pediatrics, Psychiatry, and Women’s Health. Sites include: 701 W. Pratt, 827 Linden Ave. (Midtown), & 1001 W. Pratt. Update forthcoming about inpatient inclusion status.

Applicants are reviewed on a case-by-case basis, and the application period opens from March 1, 2022 to April 15, 2022.


  • U.S. citizen/national
  • Medical degree and valid unrestricted license to practice medicine in Maryland at the time service obligation begins
  • No existing or unserved service obligation with any other loan repayment program
  • Existing higher education loan debt and no defaults on any eligible higher education loan
  • No violations of court-ordered child support or delinquency in payments
  • Practice at an eligible practice site
  • Other requirements as outlined in the eligibility criteria
  • Be employed full-time, at least 40 hours/week at an eligible site or 32 hours/week in direct outpatient care

Award: Up to $50,000 per year for a 2-year obligation with renewal options.

Federal: Public Service Loan Forgiveness (PSLF)

Click here for the website

The Public Service Loan Forgiveness (PSLF) Program forgives the remaining balance on your Direct Loans after you have made 120 qualifying monthly payments under a designated repayment plan -- while working full-time for an approved employer. The application process is open and ongoing.


  • Employed by a U.S. federal, state, local, or tribal government; not-for-profit organization
  • Work full time (see employer’s definition)
  • Have direct loans to repay under an income-driven repayment plan
  • Note: Borrowers may receive credit for payments that previously did not qualify. See above link for details.

Award: Loan is forgiven after 10 years of qualifying on-time payments.

Health Resources & Services Administration: National Health Service Corps (NHSC) Loan Repayments

Click here for the websites

Licensed health care providers can earn up to $50,000 toward student loans for a 2-year commitment at an NHSC-approved site, which includes: Ambulatory Psychiatry Clinic (UMMC), Walter P. Carter (Carruthers and Fayette Clinics), PACT, School Mental Health Program, and 1001 West Pratt Street.

The 2022 NHSC Loan Repayment Programs application cycle is currently closed and will reopen at a later date.
The 2022 Nurse Corps Loan Repayment Program Application Cycle is currently closed and will reopen at a later date.
Sign up for application email updates at


  • U.S. citizen/national
  • Eligible to participate as a provider in the Medicare, Medicaid, and the State Children’s Health Insurance Program
  • Unpaid student loans, taken before your application to the NHSC Loan Repayment Program
  • Be working at or have an accepted offer of employment that meets the start date and qualifies for an NHSC-approved service site
  • Eligible disciplines for all programs: physicians, nurse practitioners, physician assistants, certified nurse midwives, health service psychologists, licensed clinical social workers, psychiatric nurse specialists, marriage/family therapists, & licensed professional counselors
  • A half-time option also exists for the NHSC LRP application for 20-39 hours/per week, for a minimum of 45 weeks each service year

Awards: $25,000 to $100,000 toward student loans in exchange for a 2–3-year commitment.

NHSC Loan Repayment Programs also include the following for a 3-year commitment at approved sites:

  • SUD Workforce ($37,500 - part time; $75,000 - full time): eligible disciplines include substance use disorder counselors, pharmacists, & registered nurses.
  • Rural Community Programs ($50,000 - part time; $100,000 - full time): eligible disciplines include the same as above, plus certified registered nurse anesthetists.

National Institutes of Health (NIH)

Click here for the website

The NIH Loan Repayment Programs (LRPs) are a set of programs established by Congress that are designed to recruit and retain highly qualified health professionals into biomedical or biobehavioral research careers.

Intramural new & renewal awards applications: January 3, 2022-March 15, 2022.
Intramural ACGME new awards applications: January 3, 2022-April 15, 2022.
Loan Repayment Program application deadline: anticipated to open September 1, 2022-November 18, 2022.


  • Doctoral degree
  • Funding for research at any domestic nonprofit, university, or government organization
  • Educational loan debt at least 20% of applicant’s salary
  • Contribute qualifying research for at least 20 hours/week
  • S. citizen/national, or permanent resident


  • Coverage of up to $50,000 per year
  • Coverage of federal, state, and local taxes from issued loans