- Joined
- Sep 20, 2001
- Messages
- 248
- Reaction score
- 14
I am in my third year of pay back for the NHSC. When I was a pre-med I used to come on these forums a lot and wished that someone would tell us the down and dirty truth about what I would be getting into as a NHSC scholar. So, here I am. I want you to see what it's like from the other side so you can decide if it's really what you want.
I always knew I wanted to be a family doc, so that wasn't a concern for me. I was really more curious about where I would end up practicing once I finished residency. The stipend during medical school was great, and knowing my medical education was paid for was nice.
BUT. In my last year of residency, the rules for family medicine were that anything with a HPSA score of 14 or higher was ok for a NHSC scholar. I interviewed at multiple sites and received a contract from my favorite one. I was required to attend a NHSC convention, and had planned to sign my contract the next month. At the convention, they casually mentioned to hundreds of us that they decided to change the rules. The new rules would state that the HPSA score for a scholar would be raised to 17, which greatly lowered that number of sites available (not to mention that these were the less desirable sites that no one wanted).
I was shocked! I had to hastily cancel my commitment to my original option and scramble to find a new site (out of state) before I finished residency. Lesson learned: NHSC can change the game on you.
Now I am in practice at a place I don't love. I am trying to move back to my home state and found a place that was considering repaying my loans to NHSC. We all know the rule - if you break the contract, you'll owe 3 times your student loans. What they don't tell you in the contract is that you will also have to pay back 3 times your stipend plus 3 times the interest on all of those things. In order to leave my job after 3 years instead of 4, I would have to pay $600,000!!! No kidding, they sent me the calculations and they were not kidding.
So there is no way I can get out of it. I am a prisoner for the next year. If you are ok with that, do sign up. But beware and know there is more to it than what the contract states. Good luck.
I always knew I wanted to be a family doc, so that wasn't a concern for me. I was really more curious about where I would end up practicing once I finished residency. The stipend during medical school was great, and knowing my medical education was paid for was nice.
BUT. In my last year of residency, the rules for family medicine were that anything with a HPSA score of 14 or higher was ok for a NHSC scholar. I interviewed at multiple sites and received a contract from my favorite one. I was required to attend a NHSC convention, and had planned to sign my contract the next month. At the convention, they casually mentioned to hundreds of us that they decided to change the rules. The new rules would state that the HPSA score for a scholar would be raised to 17, which greatly lowered that number of sites available (not to mention that these were the less desirable sites that no one wanted).
I was shocked! I had to hastily cancel my commitment to my original option and scramble to find a new site (out of state) before I finished residency. Lesson learned: NHSC can change the game on you.
Now I am in practice at a place I don't love. I am trying to move back to my home state and found a place that was considering repaying my loans to NHSC. We all know the rule - if you break the contract, you'll owe 3 times your student loans. What they don't tell you in the contract is that you will also have to pay back 3 times your stipend plus 3 times the interest on all of those things. In order to leave my job after 3 years instead of 4, I would have to pay $600,000!!! No kidding, they sent me the calculations and they were not kidding.
So there is no way I can get out of it. I am a prisoner for the next year. If you are ok with that, do sign up. But beware and know there is more to it than what the contract states. Good luck.