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Loan Repayment

  • National Health Service Corps Loan Repayment Program (NHSC LRP)

    The purpose of the NHSC LRP is to ensure an adequate supply of health professionals to provide primary health services to populations located in selected Health Professional Shortage Areas (HPSAs). The NHSC LRP recruits fully trained dentists and dental hygienists who agree to provide care in qualifying practices which accept Medicaid and use a sliding fee scale for those with incomes at or below 200 percent of the federal poverty level. The NHSC seeks dentists and dental hygienists who demonstrate interest in serving the nation's dentally underserved populations and remaining in HPSAs beyond their service commitment.

    Eligible dental professionals may receive up to $50,000 for an initial full-time, two-year commitment; a part-time option is also available. Additional support for extended service may also be available for clinicians eligible to apply upon completion of the service commitment. The NHSC is currently accepting applications for loan repayment. Dental clinicians should visit the NHSC website for more information about the program and to apply online. The 2016 cycle of applications has closed; visit again in early 2017 for applications due in April.

  • Ohio Dentist and Dental Hygienist Loan Repayment Programs

Applications are not currently being accepted. Please visit again in early 2018.
In July 2003, the Ohio General Assembly enacted a law creating the Ohio Dentist Loan Repayment Program (ODLRP) (Sections 3702.85-3702.95 of the Ohio Revised Code). Additionally, in December 2014, the Ohio General Assembly enacted a new law that created a loan repayment program for dental hygienists (Sections 3702.96-3702.967 of the Ohio Revised Code). The intent of the legislation is to encourage dentists and dental hygienists to practice in underserved areas of Ohio by providing loan repayment for dental practitioners who agree to provide care in those areas (as defined in the program rules). Eligible candidates include:

    • Dental and dental hygiene students enrolled in the final year of dental or dental hygiene school
    • Dental residents in the final year of pediatric or general practice residency or in advanced education in general dentistry programs  
    • Currently practicing general and pediatric dentists and dental hygienists

To qualify for loan repayment, clinicians must provide dental services in dental practice sites located in underserved areas, practicing either full-time (40 hours per week) or part-time (20-39 hours per week).  Limited teaching activities in the clinical setting at the approved dental practice site may be permitted.  Services must be provided for Medicaid-eligible persons and others without regard to a patient's inability to pay. Dental health professionals are paid a salary in addition to the loan repayment they receive. Applicants who currently have an obligation for service with the National Health Service Corps (NHSC) Scholarship, Loan Repayment or Student to Service Programs, MEDTAPP Program or other entity are not eligible to participate unless that service obligation will be completely satisfied prior to signing the loan repayment contract. 
Applications for the Ohio Dentist and Dental Hygienist Loan Repayment Programs are not currently being accepted. Below are links to the most recent application forms and instructions:

    For more information, please contact the Primary Care Office at (614) 644-8496 or via E-mail at HealthPolicy@odh.ohio.gov.

    Comparison of Dentist Loan Repayment Programs

     

    National Health Service Corps (NHSC) federal loan repayment

    Ohio Dentist and Dental Hygienist Loan Repayment Programs

    Maximum loan repayment per year

    Up to $50,000 for first two years; part-time option up to $25,000 for first two years. Additional funding is available for continued service; funds are tax exempt.

    Up to $50,000 for first two years; part-time option up to $25,000 for first two years. Additional funding is available for continued service; funds are tax-exempt.

    Length of obligation

    Full-time or part-time:  2-year initial contract with 1-year renewal contracts.

    Full-time or part-time: 2-year initial contract with maximum of two additional 1-year renewal contracts.

    Time commitment

    Full-time clinicians work 40 hours/ week; two or more part-time locations can equal one full-time commitment. Part-time clinicians work 20-39 hours per week.

    Full-time clinicians work 40 hours/ week; two or more part-time locations can equal one full-time commitment. Part-time clinicians work 20-39 hours per week.

    Eligible professionals

    General and pediatric dentists and dental hygienists.

    General and pediatric dentists, and dental hygienists.

    Eligible service sites

    Safety net or private practice located in federally designated dental HPSA

    Safety net or private practice located in federally designated dental HPSA or state defined dental shortage area

    Population to be served

    Medicaid population and others without regard to patient’s ability to pay.

    Medicaid population and others without regard to patient’s ability to pay.

    Sliding fee scale

    Required.

    Not required.

    Eligible expenses

    Tuition and related educational and living expenses during dental school.

    Tuition and related educational and living expenses during dental school.

    Qualifying loans

    Government and commercial loans.

    Government and commercial loans.

    Provider requirements

    Medicaid provider; US citizen or US National with no outstanding service obligation.

    Medicaid provider; US citizen or legal alien with no outstanding service obligation.

    Teaching activities

    Limited teaching activities are permitted as defined in the contract.

    Limited teaching activities are permitted as defined in the contract.

    Penalty for default

    The minimum amount the United States is entitled to recover from a participant who breaches a commitment to serve full-time or part-time will not be less than $31,000.

    Practitioner will repay three times the total amount awarded to the clinician. If funds from another source are used to repay loans, penalty will be the amount specified by the other funder.  

    Application Deadline

    The 2017 application cycle is now open and applications will be accepted until 7:30 p.m. ET on April 6. Interested clinicians may apply online at the NHSC website.

    Applications are not currently being accepted. For more information, email   HealthPolicy@odh.ohio.gov or call (614) 644-8496.

    updated March 1, 2017

 
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