Loan repayment in TX

[justwondering]

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Does anyone had any experience with government loan repayments in TX for practicing in underserved areas? I understand they're offering a decent amount of money, but I'm trying to get an idea of actual locations where people would practice. Is there a list somewhere out there? I'm more interested in an urban locale. Also, is there any flexibility if the physician decides not to practice full time (ie if the agreement is for 3 years, but the physician starts a family and goes to part time for some time)?

 

[smq123]

Does anyone had any experience with government loan repayments in TX for practicing in underserved areas? I understand they're offering a decent amount of money, but I'm trying to get an idea of actual locations where people would practice. Is there a list somewhere out there? I'm more interested in an urban locale. Also, is there any flexibility if the physician decides not to practice full time (ie if the agreement is for 3 years, but the physician starts a family and goes to part time for some time)?

- I am going to move this to the Financial Aid forum; you may be able to get better answers there.

- That being said, I wouldn't count on being in an urban setting. I don't know what the minimum HPSA score that the Texas program requires, but there's really no way to guarantee that you'll be in an urban environment.

- No, there is generally little-to-no flexibility if you don't want to be full time. Most, if not all, of these loan repayment programs require "full time," which translates to 40 hours a week, not counting paperwork/administrative duties, etc. They go even further, stipulating that 32 of those 40 hours must be outpatient (unless you're an OB/gyn). These 40 hours don't include on-call time, either.

These programs are pretty rigid, and can be a bit risky if you decide to participate in them.

 

[UserNameNeeded]

There are underserved urban areas in Texas (the whole state is massively underserved). I remember seeing them when I was looking at the possibilities before med school. There's a state website that I used to have bookmarked that let you know areas that were underserved and I saw more than a few in the big Texas cities. Unfortunately M$ took my bookmarks away.