Physician Education Loan Repayment Program

The purpose of the Physician Education Loan Repayment Program (PELRP) is to encourage qualified physicians to practice medicine in a Health Professional Shortage Area (HPSA) as designated by the US Department of Health and Human Services, and to provide health care services to recipients under the medical assistance program authorized by the Texas Human Resources Code, Chapter 32, and to enrollees under the child health plan program authorized by the Texas Health and Safety Code, Chapter 62.

To speak to a Customer Service Representative regarding loan repayment programs, call 833-597-0454, Monday through Friday 8 a.m. to 5 p.m. CST.

Online Inquiries: CONTACT US (select “Financial Aid Question” as the Contact Reason) 


Funding for State Fiscal Year 2020-2021

Priority for loan repayment assistance is given to prior year recipients who are continuing their service in the program pursuant to their agreements. Due to limited funding we will be unable to consider initial applications from physicians on or after September 1, 2020. We will only be able to consider end-of-service period applications for payment from physicians practicing in HPSAs who were enrolled in the program before September 1, 2020.


Approved Primary Care Specialties


Eligibility Requirements

The following are primary requirements to qualify for the program:


Physicians who were enrolled in the program before September 1, 2020 will receive notifications regarding required end-of-service period employment verification forms approximately 30 days before the end of their service period.


Award Amount

For physicians whose initial applications for participation in the program have been submitted on or after September 1, 2019, the following maximum annual award amounts apply:


Eligible Loans

The following are requirements for a loan to be eligible for repayment through the program:


Frequently Asked Questions

How do I know if my site is located in a HPSA?
     To verify if your site is located in a HPSA, go to the Health Resources and Services Administration Shortage Areas search page.  The site address that needs to be verified is the site where you are physically working, not where the headquarters or administration office is located.

Do I have to commit to four years of service?
     Yes.  If you are working in a HPSA, you will have to commit to providing four years of service.  However, if the funding is reduced or eliminated by the Texas Legislature, you will be released from the obligation. 

Do I have to apply each year?
     No.  you will be notified regarding a required end-of-service period employment verification form approximately 30 days before the end of your service period.

What happens if I leave the program?  Do I have to pay back any money I received?
     If you change locations and the new location is not a HPSA, you move out of the state, or you fail to meet any of the program requirements, you will be removed from the program.  You will not be required to pay back any funds received, but will not be allowed to apply for any loan repayment programs offered by the State of Texas.

What if I want to change practice sites?
     If you wish to change practice sites, the new site must be in a HPSA for you to continue to be eligible for the program. Please contact our office to discuss the impact of such a change.

How do you determine when my service period begins and ends?
     The initial service period begins on the first day of the month following the date the application is received or the first date of employment, whichever is later. Once a service period is established, it will be the same for all years of participation.

Does my practice site have to have a high HPSA score?
     No. The practice site does not need to have any particular HPSA score.  However, the score may be used if ranking of applications takes place. 

How many people are allowed in the program?
     This is dependent on available funding.  Only 10 physicians are allowed in the program each year if the physician works for a secure correctional facility. Due to limited funding we will be unable to enroll new program participants beginning September 1, 2020.

How many Medicaid patients do I need to see?
     There is no minimum number of Medicaid patients you need to see if you are practicing in a HPSA.  

I don’t have a TPI number.  What is that?
     A TPI number is a Texas Provider Number.  Not every physician has one.  You do need to have an NPI number, National Provider Number.

What is considered full-time?
     Full-time is a minimum of 32.5 hours of direct patient care per week. 

Can I receive payment for part-time?
     You can receive a pro-rated award for part-time employment as long as you are providing a minimum of 20 hours of direct patient care per week in a HPSA. 

Can I be faculty?
     Yes, you can be faculty if you are also seeing your own patients for a minimum of 20 hours of direct patient care per week. 

Is the percentage of the award amount based on my original loan balance or my current loan balance?
     The percentage is based on the verified loan balance at the time the application for enrollment is reviewed.  If you owe less than the aggregate maximum award amount, the annual payment amounts will be the amounts needed to repay the loan over a period of four years.

When will I receive my award?
     Approximately 30 days before the end of the service period, a link to the application for payment will be emailed to you. The annual award will be mailed to the lender after you have completed each year of service period and all documentation has been received and reviewed.