{"id":2713,"date":"2017-03-24T17:18:01","date_gmt":"2017-03-24T21:18:01","guid":{"rendered":"https:\/\/www.med.unc.edu\/md\/studentaffairs\/financial-aid\/loans\/medical-school-loans\/loans-with-service-components\/"},"modified":"2026-02-08T00:40:55","modified_gmt":"2026-02-08T05:40:55","slug":"service-programs","status":"publish","type":"page","link":"https:\/\/www.med.unc.edu\/md\/financial-aid\/types-of-aid\/service-programs\/","title":{"rendered":"Service Programs"},"content":{"rendered":"

There are several loan options available that provide debt forgiveness in exchange for various types of service commitments. If you are planning on staying in North Carolina, specializing in primary care, or going into public service, these may be great options for you.<\/p>\n

NOTE: Be sure to always go through ConnectCarolina<\/a> to complete forms and applications pertaining to loans \u2014 this is very important, as it is how we keep your records (and your to-do list) up-to-date and accurate.<\/p>\n

NC Forgivable Education Loans for Service (FELS)<\/h2>\n

Established by the North Carolina General Assembly in 2011, the Forgivable Education Loans for Service provides financial assistance to qualified students enrolled in an approved education program and committed to working in critical employment shortage professions in North Carolina. Students must be a legal North Carolina resident and NC resident for tuition purposes. FELS loan recipients must sign a promissory note that will require them to seek loan forgiveness through employment in an approved position or repay the loan in cash. Generally, a loan for one academic year will be forgiven for one year of full-time employment. Recipients cannot receive FELS funding concurrently with other state-funded loans.<\/p>\n

NC FELS Website<\/a><\/p>\n

National Health Service Corps Scholarship Program<\/h2>\n

The National Health Service Corps (NHSC) Scholarship Program awards scholarships to students pursuing an eligible training or degree program for a primary care health profession. In return, scholars commit to providing primary care health services in Health Professional Shortage Areas (HPSAs). Students commit to a minimum two years (and four years maximum) of full-time service. The total number of years you serve depends on the number of school years of NHSC Scholarship support you receive. The funding cannot exceed four school years.<\/p>\n

NHSC Scholarship Program Website<\/a><\/p>\n

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Army Health Professions Scholarship Program (HPSP)<\/h2>\n
Fund your future in medicine.<\/b> Let us help you so you can help others. The Health Professions Scholarship Program (HPSP) covers the following most or all medical pathway degree plans offered at UNC. This scholarship is specifically aimed for MDs, Osteopaths, Dentistry, Surgery, Psychiatry. If you are pursuing any medical degree, feel free to apply.<\/div>\n
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Scholarship Prize Details<\/b><\/div>\n
100% Paid Tuition<\/div>\n
3K Monthly Stipend<\/div>\n
20K Bonus<\/div>\n
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Requirements<\/b><\/div>\n
Cumulative Undergraduate GPA of 3.2 or above<\/div>\n
Be enrolled, accepted or applying to an accredited M.D. or D.O. School<\/div>\n
MCAT score 500 or above and 124 in all line scores<\/div>\n
Must pass a medical history pre-commissioning evaluation<\/div>\n
Favorable FBI background check<\/div>\n
US Citizen<\/div>\n
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Military Service Obligation<\/b><\/div>\n
Must be willing to commit to military service obligation;<\/div>\n
Will service as US Army AMEDD\u00a0Officer AFTER <\/i>completing medical school<\/div>\n
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Q<\/b>. What is the process? <\/b><\/div>\n
– Contact AMEDD Recruiter to help facilitate > Complete Pre-Commissioning Medical Evaluation and physical at Fort Bragg > Wait for Board Results > If selected you will swear into the US. Dept Army Medical Corps as a Second Lieutenant as a United States Army Reserve Officer > Army pays your tuition directly to the school; and pays you directly your 20K bonus and 3k monthly stipend.<\/div>\n
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Application Requirements for the HPSP:\u00a0<\/b><\/div>\n