The Faculty Loan Repayment Program (FLRP) Application is currently closed.
Any individual with questions about the FLRP may contact the BCRS Call Center Monday through Friday (except Federal holidays), from 8:00 AM to 8:00 PM ET.
Commercial Loans –Loans made by banks, credit unions, savings and loan associations, insurance companies, schools, and other financial or credit institutions which are subject to examination and supervision in their capacity as lenders by an agency of the United States or of the State in which the lender has its principal place of business.
Default of Payment Obligation or Debt – Being more than 120 days past due on the payment of a financial obligation.
Default of Service Obligation – Failure to begin or complete a contractual service commitment.
Eligible Disciplines – Individuals in the following disciplines are eligible to apply for FLRP awards: allopathic, osteopathic, podiatric or veterinary medicine; dentistry, pharmacy, optometry, nursing (RN or Advanced Practice RN), public health (graduate level only), physician assistants, graduate programs in behavioral and mental health (clinical psychology, clinical social work, professional counseling, and marriage and family therapy), and allied health (baccalaureate or graduate degree programs of dental hygiene, medical laboratory technology, occupational therapy, physical therapy, radiologic technology, speech pathology, audiology, and registered dietitians).
Eligible Health Professions Schools – Public or private nonprofit schools located in a State which are accredited schools of or have accredited programs of: allopathic, osteopathic, podiatric or veterinary medicine; dentistry, pharmacy, optometry, public health, behavioral and mental health, or allied health. Public, private nonprofit, or private for profit schools located in a State which are accredited schools of or have accredited programs of nursing or physician assistant.
Existing Service Obligation – An obligation which is owed to and provided for under an agreement with a Federal, State, or local government or any other entity (ex. under the National Health Service Corps Loan Repayment Program, the Nursing Scholarship Program, the State Loan Repayment Program, the Bureau of Health Professions Nurse Faculty Loan Program, any local or State-sponsored loan repayment/forgiveness program, an employer-sponsored scholarship or recruitment/retention incentive programs or Active Duty military obligation).
Faculty Loan Repayment Program (FLRP) – The FLRP is authorized by Section 738(a) of the Public Health Service Act, as amended. Under the FLRP, eligible individuals from disadvantaged backgrounds provide service as a faculty member at eligible health professions schools in exchange for funds for the repayment of their qualifying educational loans.
Federal Judgment Lien - A lien that is placed on an individual’s home or property when a court-ordered judgment is entered against the individual for an unpaid Federal debt (e.g. a Federal student loan or a Federally-insured home mortgage). An IRS tax lien that is not created pursuant to a court-ordered judgment is not a Federal judgment lien.
Fiscal Year (FY) – The Federal FY is October 1 through September 30.
Funding Preferences – The funding of a specific category or group of approved applicants ahead of other categories or group of approved applicants. See Program Overview in this Guidance.
Government Loans – Loans made by Federal, State, county or city agencies authorized by law to make such loans.
Individual from a Disadvantaged Background – An individual who has been certified by the health professions school (previously attended by the applicant) as having come from a “disadvantaged background” based on economic and/or environmental factors.\
Economically Disadvantaged - the individual comes from a family with an annual income below a level based on low-income thresholds according to family size published by the U.S. Bureau of the Census, adjusted annually for changes in the Consumer Price index, and adjusted by the Secretary, HHS, for use in health professions and nursing programs.
Environmentally Disadvantaged – the individual comes from an environment that has inhibited the individual from obtaining the knowledge, skill, and abilities required to enroll in and graduate from a an undergraduate or graduate school based on factors including, but not limited to, the following:
The individual graduated from (or last attended) a high school from which a low percentage of seniors receive a high school diploma;
The individual graduated from (or last attended) a high school at which, many of the enrolled students are eligible for free or reduced price lunches;
The individual comes from a family that receives public assistance (e.g., Temporary Assistance to Needy Families (TANF), food stamps, Medicaid, public housing);
The individual comes from a family that lives in an area that is designated under section 332 of the Public Health Service Act as a Health Professional Shortage Area or is designated as a Medically Underserved Area;
The individual participated in an academic enrichment program funded in whole or in part by the Health Careers Opportunity Program, authorized by section 739 of the Public Health Service Act;
The individual is a high school drop-out who received an AHS diploma or GED or has received or is receiving public assistance;
An individual who comes from a school district where 50% or less of graduates go to college or where college education is not encouraged;
An individual who is the first generation to attend college or is on public assistance;
An individual who has a diagnosed physical or mental impairment that substantially limits the person’s participation in educational experiences and opportunities offered by the college;
An individual for whom English is not his/her primary language and must take a Test of English as Foreign Language (TOEFL) before entering health professions/nursing school; or
An individual who was accepted to the program after academic reassessment at the completion of remedial courses.
Lender – The commercial or Government institution that initially made the qualifying educational loan (e.g., Department of Education). As used in this Guidance, the “lender” also includes “holder,” which is the commercial or Government institution that currently holds the promissory note for the qualifying educational loan (e.g., Sallie Mae, PHEAA, etc.)
Qualified Applicant – A person who meets all of the eligibility requirements set forth in the Application and Program Guidance.
Qualifying Educational Loans –Government and commercial loans for actual costs paid for tuition and reasonable educational and living expenses related to the undergraduate or graduate education of the participant. Such loans must have been incurred prior to the application deadline, and there must be documentation to support that the loans were contemporaneous with the education received. Participants will receive funds for repayment of qualifying educational loans that are still owed. If the applicant has consolidated otherwise qualifying educational loans with any other debt or consolidated his/her loans with loans of another individual, the consolidated loan is ineligible. Residency relocation loans are not eligible.
Reasonable Educational Expenses - The costs for books, supplies, laboratory expenses, clinical travel, educational equipment and materials for qualifying education which do not exceed the school’s estimated standard student budget for educational expenses for the participant’s degree program and for the year(s) of that participant’s enrollment.
Reasonable Living Expenses –The costs of room and board, transportation and commuting costs, and other costs which do not exceed the school’s estimated standard student budget for living expenses at that school for the participant’s degree program and for the year(s) of that participant’s enrollment.
State – As used in this Guidance, State includes the 50 States, the District of Columbia, the Commonwealth of Puerto Rico, the Commonwealth of the Northern Mariana Islands, the U.S. Virgin Islands, Territory of American Samoa, Territory of Guam, Republic of Palau, Republic of the Marshall Islands, and Federated States of Micronesia.
Suspension – A temporary status. A suspension of the service or payment obligation will be granted if compliance with the obligation by the participant (1) is temporarily impossible or (2) would involve a temporary extreme hardship such that enforcement of the obligation would be unconscionable. All requests for a suspension must be submitted, in writing via the Customer Service Portal and be supported by full medical and/or financial documentation.
Waiver – A permanent status. A waiver of the service or payment obligation will only be granted if compliance with the obligation by the participant (1) is permanently impossible or (2) would involve a permanent extreme hardship such that enforcement of the obligation would be unconscionable. All requests for a waiver must be submitted via the Customer Service Portal and be supported by full medical and financial documentation.