Loan Repayment Calculator

Estimate your total compensation including NHSC loan repayment, Nurse Corps, and other federal programs. FQHC positions often include loan forgiveness worth up to $75,000 over 2 years.

Your Information

Program Type

Total Student Loan Balance

$0$150k$300k

Expected Base Salary

$80k$165k$250k

Service Commitment

Commitment Type

HPSA Score (1-25)Higher score = better award likelihood

Lower LikelihoodHistorically most fundedHigher Likelihood

HPSA score affects how likely a site is to receive NHSC funding — not the award amount.

I'll pursue PSLF at this FQHCFQHCs qualify for Public Service Loan Forgiveness — the remaining balance is forgiven tax-free after 120 payments (10 years), and NHSC service counts toward those payments.

Your Estimated Benefits

Total Loan Repayment

$75,000

over 2 years

Yearly Value

$37,500

per year

Effective Total Compensation

$157,500/year

Base salary + loan repayment value

Detailed Breakdown

Base Salary$120,000/yr

Loan Repayment Value+$37,500/yr

Effective Hourly Rate$75.72/hr

Remaining Loan Balance$25,000

Tax on Repayment$0 — NHSC LRP awards are tax-free

Net Benefit (Tax-Free)$75,000

About NHSC Loan Repayment Program

The NHSC Loan Repayment Program provides up to $75,000 (full-time) or $37,500 (half-time) for a 2-year commitment at an NHSC-approved site in a Health Professional Shortage Area (HPSA). Awards are paid directly to your loan servicer and are exempt from federal income tax.

Award amounts are set by commitment type and discipline — not HPSA score. HPSA score affects funding likelihood: sites scoring 14+ have historically been the most funded. You can continue for additional years with up to $35,000 per year.

Find NHSC-Eligible Jobs

Browse FQHC and rural health positions that qualify for loan repayment programs.

Browse FQHC Jobs

Put this calculator on your site

Free to embed for schools, state primary care associations, and health centers. Paste this anywhere HTML is allowed — no script tag, no tracking.

<iframe src="https://www.healthcentercareers.com/embed/loan-calculator" width="100%" height="720" style="border:1px solid #e5e7eb;border-radius:12px" title="NHSC Loan Repayment Calculator" loading="lazy"></iframe>

The embedded widget is read-only and sets no cookies. It carries a link back to Health Center Careers.

This calculator provides estimates only. Actual loan repayment amounts depend on program availability, site approval, and individual eligibility. Consult HRSA.gov for current program details.