Maryland Loan Repayment Programs

Background

While healthcare providers work to meet the varied health care needs of their patients throughout the state, healthcare workforce shortages present challenges.  The following programs aim to improve the recruitment and retention of the health professional workforce in Maryland.

The Maryland Loan Repayment Programs (MLRP) offer higher education loan repayment assistance to health professionals. Physicians, physician assistants and medical residents have the opportunity to practice in areas of healthcare professional shortages in exchange for loan repayment assistance.  These programs, including the State Loan Repayment Program (SLRP) and the Maryland Loan Assistance Repayment Program for Physicians and Physician Assistants (MLARP), are funded via Federal and State resources, respectively.  MLRP is given the authority to administer the MLARP Fund via Article - Health - General §24-1707, Annotated Code of Maryland.  

SLRP and MLARP have slightly different eligibility criteria based on their funding sources, however, they share a common MLRP application cycle as described below.  Eligible healthcare providers can be awarded up to $100,000 for a 2-year service commitment.      

Eligible Professionals, by Licensure

SLRP 

Funding includes federal awards available to physicians and physician assistants. 


MLARP 

Funding includes state funds that are available to physicians, physician assistants, and medical residents in their last year of residency.  


Note:  If you are not a physician or physician assistant, you may be eligible for other federal or state workforce programs. See examples of additional opportunities listed on the Office of Workforce Development homepage https://health.maryland.gov/pophealth/Pages/Workforce.aspx

Eligible Practice Sites

SLRP

An eligible practice site is one operated as a public clinic by any federal, state, local governmental entity or a non-profit medical care facility that: 

  1. treats all persons regardless of ability to pay and has a sliding fee scale; and 
  2. is located in a geographic region of Maryland that the Health Resources and Services Administration has designated as a HPSA (Primary Care HPSA for internal medicine, family medicine, pediatrics, obstetrics/gynecology and geriatrics; Mental Health HPSA for psychiatry).  
Determine site eligibility for SLRP funding using the HPSA address search tool.  

MLARP

An eligible practice site is a non-profit or for profit healthcare facility that:

  1. treats all persons regardless of their ability to pay; and 
  2. is located in a federally-designated Health Professional Shortage Area, Medically Underserved Area/Population (MUA/P), or in one of the 18 state-designated rural counties of the State.

Program Eligibility Requirements

In order to be eligible for MLRP (SLRP and MLARP), physicians, physician assistants, and final year medical residents must meet the requirements listed below. 

  • Have a medical degree (Medical Doctor or Doctor of Osteopathy) and completed residency training or a physician assistant license (or be in final year of medical residency);
  • Practice in an eligible specialty as detailed below, (see Eligible Specialties section below);
  • Have a valid unrestricted license to practice medicine in the State of Maryland at the time the service obligation begins;
  • Be a citizen of the United States or be a U.S. National;
  • Be employed full-time, at least 40 hours per week, at an eligible practice site (32 hours per week must be in direct patient care);
  • Have not breached an obligation for service to a federal, state, or local governmental entity or another obligation for service even if the obligation was ultimately fulfilled;
  • Have no judgment lien against property for a debt to the United States;
  • Not be excluded, debarred, suspended, or disqualified by a Federal agency; 
  • Have no un-served obligations for service to a federal, state, local government, or other entity, with the exception of the U.S. Department of Health and Human Services’ Primary Care Loans, Exceptional Financial Need Scholarships, and Financial Assistance for Disadvantaged Health Professions Students;
  • Have no existing service obligation with any other loan repayment program;
  • Have no existing default status on any higher education loan;
  • Have no debts written off as uncollectible;
  • Have no service or payment obligation waived;
  • Have never violated court-ordered child support or been delinquent in child support payments; and 
  • Practice at an eligible practice site.

 

Eligible Specialties 

​Program

Loan Participant

Eligible Primary Care Specialties

Other Eligible Specialties

 

SLRP

Physicians

Family Practice, Internal Medicine, Pediatrics, Geriatrics, Obstetrics and Gynecology, Psychiatry

 

Physician Assistants

Adult, Family, Geriatric, Psychiatry, Mental Health, Women’s Health

 

 

 

MLARP

Physicians

Family Practice, Internal Medicine, Pediatrics, Geriatrics, Obstetrics and Gynecology, Psychiatry, Women’s Health, Emergency Medicine

Physicians that practice a medical specialty other than primary care may be considered if there is an identified shortage in that specialty

Physician Assistants

Adult, Family, Geriatric, Psychiatry, Mental Health, Women’s Health, Emergency Medicine

Physician assistants that practice a medical specialty other than primary care may be considered if there is an identified shortage in that specialty

Medical Residents (in their last year of residency)

Family Practice, Internal Medicine, Pediatrics, Geriatrics, Obstetrics and Gynecology, Psychiatry, Women’s Health, Emergency Medicine

 


 

Application Deadline and Process

The annual application cycle is open from March 1 through April 15. There is only one application process for both SLRP and MLARP. Applicant eligibility is determined utilizing the content of the application components.  It is vital that all application components share accurate and consistent information.  Upon determination of eligibility, a technical scoring process is used to score and rank each application within the SLRP and MLARP program priorities. The following includes an example of the criteria scored during application review:

  • Provider specialty;
  • ​Total educational loan indebtedness (lender confirmed);
  • Salary (contract confirmed);
  • Professional competence and conduct of an applicant as reported by applicant references;
  • Practice site geographic location;
  • Inpatient/outpatient practice;
  • Practice site HPSA and MUA/P status and score; and
  • Practice site not for profit/For profit status.​
In the event that there are more recommended applicants than funds available, Maryland Department of Health will implement a funding tier system commensurate with the technical score given by the review team.  Applicants in the highest scoring tier may receive the full requested amount, while those who scored high enough to be recommended for funding but in a lower tier may be offered and receive a lower than maximum award amount.​

Application Materials

The application is currently closed and complete received applications are under review. ​


Renewing an Award

A recipient may reapply for an award after completion of the first 2-year service obligation. A recipient’s total award amount cannot exceed $200,000, or two 2-year obligations of up to $50,000 per year.  


Frequently Asked Questions

To download the program and application related FAQ click here​​​​​.

To download the COVID-19 Potential Impact on Service Obligations FAQ click here​.


Contact

To sign up for our Workforce Listserv to receive updates about the Maryland Loan Repayment Programs, click here

Direct questions to: mdh.loanrepaymentprograms@maryland.gov


Sadé​ Diggs

Maryland Department of Health​

201 West Preston Street

Baltimore, MD 21201

Phone: 410-767-6123

mdh.loanrepaymentprograms@maryland.gov 


Sara Seitz

Maryland Department of Health 

201 West Preston Street

Baltimore, MD 21201

Phone: 410-767-6123

mdh.loanrepaymentprograms@maryland.gov