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Primary Care Medicine and Psychiatry Forgivable Education Loan Program is sponsored by North Carolina Education Assistance Authority (Administered by College Foundation of North Carolina). This program provides forgivable loans to current North Carolina medical students who commit to practicing in a primary care specialty or psychiatry in one of the state's Tier 1 or Tier 2 counties after graduation.
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Forgivable Education Loans for Service Forgivable Education Loans for Service up to $7,000 for Certificate/Licensure Associate & Bachelor's up to $14,000 for Master's & Doctoral Degrees The 2026-2027 application will open on Monday, January 12, 2026.
Established by the North Carolina General Assembly in 2011, the Forgivable Education Loans for Service provides financial assistance to qualified students enrolled in an approved education program and committed to working in critical employment shortage professions in North Carolina. The North Carolina State Education Assistance Authority provides administration for the program.
For the 2025-2026 academic year the approved degree programs and approved institutions can be found via the Scholarship Resource Section. Be a legal North Carolina resident and NC resident for tuition purposes Your North Carolina residency status is checked automatically with the Residency Determination Service (RDS) in an overnight process once you submit your FELS application.
If applicants haven’t completed residency determination, they may do so at the North Carolina Residency Determination Service Website . At the time of application, present a cumulative minimum grade point average (GPA) of: 3. 00 for graduating high school students (weighted GPA) 2.
80 for undergraduate students pursuing an associate or bachelor's degree At the time of application be enrolled in or will be enrolling in one of the FELS approved programs . Note: if your program of study is not listed on the FELS Approved Program list then you are not eligible to apply for FELS.
Recipients must not be in default, or does not owe a refund, under any federal or State loan or grant program Maintain Satisfactory Academic Progress according to the enrolling policy of the institution Be willing to work in NC in a designated critical employment shortage profession Must plan to enroll at least part-time in a FELS Approved Program at a FELS Eligible Institution Complete a FELS Application The 2026 application will open on Monday, January 12.
Applications will be entered into a lottery for award consideration. If you are seeking your associate's or bachelor’s degree, provide a copy of your transcript with your application. Please review FELS Approved Programs prior to applying to ensure your program is FELS eligible and to read program information.
FELS loan recipients must sign a promissory note that will require them to seek loan forgiveness through employment in an approved position or repay the loan in cash. Loan forgiveness is described in the FELS Rules. Generally, a loan for one academic year will be forgiven for one year of full-time employment.
Loans will accrue interest at the rate of 7% per year from the date of the loan disbursement. Recipients cannot receive FELS funding concurrently with other state-funded loans. For bachelor's degree programs, priority is given to juniors and seniors who have been accepted into the program (or who will be accepted by the start of the fall semester).
Note: FELS recipients must be enrolled either Part-Time or Full-Time based on their institution's academic policy. This is effective Fall 2021.
The award amount will be pro-rated based on the chart below Certificate/Licensure, Associate, and Bachelor's Degree Programs Certificate/Licensure and/or Associate Degree Master's and Doctoral Degree Programs Doctoral Degree Program for Primary Care Physicians and Psychiatrists – Rural NC Service Maximum Primary Physician and Psychiatrist Rural NC Service Aggregate Total *Sophomores are only eligible at the bachelor’s level if the student has been accepted into their degree of study.
According to the current listing, eligibility includes: Current North Carolina medical students committed to primary care or psychiatry in designated counties. Must be a legal North Carolina resident and NC resident for tuition purposes. Confirm the full requirements in the official notice before applying.
The current listing shows up to $25,000 per year of medical school. Verify award ceilings, matching requirements, and allowable costs in the official notice.
Primary Care Medicine and Psychiatry Forgivable Education Loan Program is funded by North Carolina Education Assistance Authority (Administered by College Foundation of North Carolina). Verify program details on the funder's official page before applying.
This opportunity targets applicants in North Carolina. If your organization operates elsewhere, check the official notice for location requirements.
Start from the official opportunity page linked in this listing — it carries the sponsor's submission instructions.
USDA-NIFA-WAMS-011117 posted September 4, 2026 with $1,905,210 across an estimated 12 awards of $25,000 to $200,000, closing September 14, 2026. The opportunity title is now simply "Science, Technology, Engineering, and Mathematics Fields." Assistance listing 10.318 still reads "Women and Minorities in Science, Technology, Engineering, and Mathematics Fields" — and NIFA's own program page says the program is not funded for FY2026.
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