Nursing Education Loan Repayment Program Info

The program is so successful that thousands of RNs have benefited from the Nursing Education Loan Repayment Program and continue to practice at critical shortage facilities beyond their service commitment.

NELRP Program Details

The objective of the program is to assist in the recruitment and retention of professional registered nurses (RN) in approved critical shortage areas to increase access to quality health care by offering loan repayment in return for full-time service at an eligible health care facility with a critical shortage of nurses.

Nursing Education Loan Repayment Program (NELRP) participants enter into a contract agreeing to provide full-time service at an approved Critical Shortage Facility (CSF) for two years. In return, NELRP will pay 30 percent of the participant`s total qualifying loan balance each year (total of 60 percent). A participant may be eligible to amend his/her two-year NELRP contract to serve for a third (optional) year at a CSF. If a participant works full-time for a third year in a CSF, the NELRP will pay an additional 25 percent of the participant`s original qualifying loan balance, bringing the total to 85 percent of eligible loan balances.

The loan forgiveness program does not eliminate the requirement to make payments on your student loans as you work as a nursing educator or RN, but rather supplements your payments to accelerate the elimination of your student loan debt. Each year that you teach or work as an RN and make your monthly loan payments, you will qualify for loan forgiveness, with maximum awards earned over a four-year period.

Critical Shortage Facilities currently include, but are not limited to, non-profit facilities such as Indian Health Service health centers, hospitals, Federal Hospitals, Federally Qualified health centers, Native Hawaiian health centers, rural health clinics, nursing homes, home health agencies, hospice programs, State or local public health departments, and ambulatory surgical centers.

Eligibility Requirements

Individuals who satisfy the following criteria are eligible to apply: (1) have received a baccalaureate or associate degree in nursing (or an equivalent degree), a diploma in nursing or a graduate degree in nursing; (2) have unpaid qualifying loans obtained for nursing education; (3) a U.S. citizen, national or a permanent legal resident of the United States; (4) employed full-time (32 hours or more per week) at a critical shortage facility (CSF); (5) have a current unrestricted license in the State in which they intend to practice or be authorized to practice in the State under the Nurse Licensure Compact; and (6) submit a complete application, including a signed contract to work full-time as a registered or advanced practice nurse for 2 years at an eligible health care facility with a critical shortage of nurses.

First preference for funding is given to qualified applicants whose total qualifying educational loans are 40 percent or greater than their base annual salary and who work at a Disproportionate Share Hospital or Critical Access Hospital; Federally Qualified Health Center or Look-Alike, Indian Health Service Health Center, Native Hawaiian Health Center, or Rural Health Clinic; Nursing Home; or State or Local Public Health or Human Services Department.

Loans Not Eligible Through the NELRP

• Loans obtained for training in vocational or practical nursing (LVN/LPN)
• Loans obtained for non-nursing education
• Loans obtained from family members, or from non-qualified private lenders
• Loans that have already been paid in full
• Parent PLUS Loans (made to parents)
• Credit card charges or personal lines of credit used for nursing education expenses
• Loans made prior to or after the applicant`s qualifying nursing education
• Federal Perkins Loans (unless the applicant can provide documentation from the school or lender that the loan is not subject to cancellation).

Tax Implications

The NELRP payments made to participants are regarded as income by the U.S. Internal Revenue Service and are subject to Federal taxes. The NELRP will withhold Federal income tax and Social Security and Medicare (FICA) taxes from your NELRP award and pay those taxes directly to the IRS on your behalf. The NELRP will send an annual statement of these payments (Form W-2) to all participants and to the IRS. These loan payments may also be subject to State and local income tax. Participants should check with their State or local tax authority concerning their tax liability for these payments.

For more information and application please visit the U.S. Health Resources and Services Administration`s Nursing Education Loan Repayment Program page.

Learn More About Nursing Degree Programs
Achieve the education you need to turn your nursing career goals into reality by requesting program information from nursing schools that offer accredited nursing degree programs that match your needs:
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The College Network

Online

Start your nursing career with The College Network. Earn your NLNAC/CCNE Accredited nursing degree online from one of our partner universities: Regis University, Indiana State University, Angelo State University and more at 1/2 the cost and time of traditional universities with no campus attendance, no wait list and local clinicals.

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• LPN/LVN to RN - AS in Nursing (Licensed LPN/LVNs only)
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University of Phoenix

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As the largest private university in North America, University of Phoenix has more than 200 locations, and is available online in most countries around the world. Whether you're seeking a college degree at an associate's, bachelor's, master's, or doctoral level, we can help you reach your academic goal—and sooner than you might think.

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• M.S. in Nursing
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Livermore
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Salida
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Roseville
Lathrop
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Murrieta
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Lancaster
Oakland
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Pasadena
Fairfield
Palm Desert

Walden University

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Balance your personal and professional commitments while earning a respected Ph.D., master's degree, or bachelor's degree online at Walden University. Programs offered in management, education, psychology and health and human services.

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Kaplan College - KHE

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San Diego
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American Career College

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Los Angeles
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University of St. Mary

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West Coast University

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Anaheim
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California College San Diego

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San Diego
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Career Colleges of America

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Programs:

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Campus Locations:

San Bernardino
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Carrington College California

Campus

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Santa Barbara Business College

Campus

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SBBCollege is accredited by the Accrediting Council for Independent Colleges and Schools. For information on graduation rates, median debt of graduates who completed these programs and other important information, visit http://www.sbbcollege.edu/consumerinformation/disclosures.php. SBBCollege offers financial aid to those who qualify.

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Campus Locations:

Rancho Mirage
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Roseman University

Online

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Grand Canyon University

Campus

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Phoenix

Charter College

Campus

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Campus Locations:

Canyon Country
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Oxnard
Lancaster

Intercoast Colleges

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Campus Locations:

Fairfield
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Orange
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Chamberlain College of Nursing

Campus

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Programs:

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Addison

Institute of Technology

Campus

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For more information about our graduation rates, the median debt of students who completed the program, and other important information, please visit our website at www.it-colleges.edu/disclosure

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• Vocational Nursing-Diploma
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Campus Locations:

Redding
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Summit College

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Campus Locations:

Colton
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Stratford Career Institute

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CBD College

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• Associate of Applied Sciences in Vocational Nursing
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Los Angeles

Keiser University

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Keiser University eCampus Online offers degrees in fields that are in high demand and provides job placement assistance to all its students and alumni.

Programs:

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Fort Lauderdale

Saint Xavier University

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Campus Locations:

Chicago

Everest College

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Develop the skills to succeed in today's highly competitive business environment. Everest College can prepare you for a rewarding career in some of today's hottest fields.

Programs:

• Diploma - Medical Assistant
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Campus Locations:

Santa Ana
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San Bernardino
Gardena
Torrance
Alhambra
LA Puente
Anaheim
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Platt College

Campus

Turn your talents into a career. Nationally recognized and accredited Platt College offers degree programs in Graphic Design, Multimedia, IT Networking and Paralegal.

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• Medical Assisting
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Campus Locations:

Alhambra
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Saint Peter's College

Online

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Programs:

• RN to Bachelor of Science in Nursing

Heald College

Campus

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Programs:

• Medical Assisting
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Campus Locations:

Salida
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Concord
Roseville
Rancho Cordova
Milpitas
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Stockton

Milan Institute

Campus

Successful careers begin at the Milan Institute. We offer quality hands-on training, experienced faculty and a staff committed to helping you realize your goals.

Programs:

• Medical Assisting
• Administrative Medical Assistant

Campus Locations:

Indio
Visalia
Bakersfield
Clovis

UEI College

Campus

UEI College can give you the real world medical, business, and technology skills you need to start a rewarding career. Let us know how we can assist you with your personal growth by helping you train for your perfect career.

Programs:

• Medical Assistant

Campus Locations:

Bakersfield
Fresno
Gardena
Stockton
Riverside

Empire College

Campus

Empire College, located in Santa Rosa, California, can give you the career training you need to launch or advance your career in the Business, Law, Technology, or Medical fields.

Programs:

• Medical Assisting

Campus Locations:

Santa Rosa

WyoTech

Campus

The career-focused programs at WyoTech can give you the hands-on training you need to succeed. Program areas includemechanics, technician training, and technology.

Programs:

• Medical Assistant
• Medical General

Campus Locations:

Long Beach

Mayfield College

Campus

Give your career a boost with an education from Mayfield College. Our academic programs include medical front office, computer support technician, and general office management.

What's another reason that makes Mayfield College the right choice? Students receive a new computer when they graduate.

Programs:

• Medical Assistant

Campus Locations:

Cathedral City