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Loan Repayment


New Member
2+ Year Member
Nov 20, 2016
It depends on the employment contract you are offered. There could be not much catch. It could be a ****ty job or in a crappy area and the only way they can find people to work there is by offering loan forgiveness or sign on bonuses. There could be stipulations, for example you may need to repay the student loan money if you leave the practice before a certain number of years. There may be a lower base salary or worse benefits package. Lots of things to consider.
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Ph.D in Clinical Meconium
10+ Year Member
Oct 24, 2009
  1. Attending Physician
This is a random question, but I see that some jobs, such as primary care, offer loan repayment bonuses. What is the catch if the job offers say 25k a year towards student loans?

It means there's a stipulation attached.

Anything that's not included in an upfront salary for a specified amount of time and a specified amount of patients means you need to take the time to understand why it's being offered.

Some reasons for loan repayment, signing bonuses, retention bonuses are:

1. The workload is crushingly high (Kaiser Permanente)
2. The base salary is lower than market (VA)
3. The physician retention is poor (Podunk community hospital)
4. The contract is vaguely worded but the salary is offered in a way that at first glance it appears appealing.

Also there are some places I've bumped into where
1. The salary/hourly is stated by not put in the contract
2. The call duties are not specified, but the salary is "good"
3. The place is in the middle of nowhere, but the salary is below market even with loan repayment and paid call

Lets not forget the instances where you're job duties, salary are clearly specified in the contract but the hospital cuts salaries anyway
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