Early Urban Physician Loan Forgiveness - Minnesota Dept. of Health

EARLY Minnesota Urban Physician Loan Forgiveness Program

2021 Program Information Notice

Download the 2021 Early Application Program Information Notice (PIN) (PDF)

Early application guidelines

The Minnesota Health Care Loan Forgiveness early application cycle for select health care professionals is now OPEN through November 22.

Program administrator:

Elizabeth Fenske/Tim Flynn, health.loanforgiveness@state.mn.us

Eligible professionals

Primary Care Physicians, Pediatrician, Family Practice, Internal Medicine, Psychiatrist and OB/GYN

Minimum service obligation

3 years minimum/4 years maximum

Annual repayment amount

$29,000

Program purpose

The purpose of Minnesota’s Loan Forgiveness program is to recruit and retain health care professionals to needed areas and facilities in Minnesota. Loan forgiveness is an important benefit for health care professionals as well as health care facilities and communities experiencing a shortage of access to primary health care services.

Program administration and funding

The Office of Rural Health and Primary Care (ORHPC), Minnesota Department of Health administers this program. It is funded by the State of Minnesota. Program eligibility requirements and benefits are established by state statute, 144.1501 authorizing the health professional education loan forgiveness program.

This program is offered to primary care medical professions, which include Family Practice, Obstetrics and Gynecology, Pediatrics, Internal Medicine and Psychiatry, who plan to practice/are practicing in an underserved urban community. A prospective participant must submit an application to ORHPC during the open application cycle, as a practicing physician or while completing their final year of medical residency training.

This program requires that participants provide at least 25 percent of annual patient encounters to state public program enrollees or patients receiving a sliding fee schedule discounts through a formal sliding fee schedule meeting the standards established by United States Dept. of Health and Human Services under Code of Federal Regulations, title 42, section 51, chapter 303.

Loan eligibility

The Urban Physician Loan Forgiveness Program provides funds for repayment of Qualified Educational Loans. Qualified Educational Loans include government, commercial, and foundation loans for actual costs paid for tuition, reasonable education and living expenses related to the past graduate or undergraduate education of the Physician.  Credit card debt or loans from family members do not qualify. Parent PLUS loans do not qualify.
Loans in current or active default are NOT eligible for forgiveness in this program, even if considered in good standing with the collections agency. Previously defaulted loans that have since been completely rehabilitated and are not currently in active default status are eligible.

Selection

This is a competitive selection process. Selections are made based on suitability for practice as indicated by personal and professional experience and training noted on an application, as well as preference given to those closest to completing their training. Preference will be given to applicants who document diverse cultural competencies. The number of applicants ORHPC may select for participation varies annually and is contingent upon state funding.

Selection priority will be given based on location of work as well as population served.

Competitive priority will be given to applicants who practice in facilities that are located within the following areas:

Service obligation and funding

Participants are required to practice for at least 30 hours per week, for at least 45 weeks per year, for a minimum of three years.

Selected participants shall provide direct patient care hours/client–centered services. Hours cannot be fulfilled meeting with providers, process improvement, policy development, supervising, or administering programs.

This program requires that participants provide at least 25 percent of annual patient encounters to state public program enrollees or patients receiving a sliding fee schedule discounts through a formal sliding fee schedule meeting the standards established by United States Dept. of Health and Human Services under Code of Federal Regulations, title 42, section 51, chapter 303.

Participants must begin their service obligation under this program no later than March 1, 2022 following completion of their licensure or residency. Participants must complete their residency program as originally stated in their application by February 1, 2022.

Participants are eligible to participate for up to four years of loan forgiveness during which they serve as a physician in an underserved urban community. ORHPC will make an annual payment to the participant in the amount of $29,000, not to exceed $116,000 total for the maximum four-year period or the balance of the designated loan(s), whichever is less subject to the availability of funds appropriated by the Minnesota State Legislature for the loan forgiveness program.

Updated Tuesday, 14-Sep-2021 00:24:14 CDT