One caveat regarding gov't loan repayment programs. As more than a few physicians learned the hard way, they are not guaranteed. If the federal government has a funding crisis, they may (and have in the past) pull funds.
However, this should not disuade you from your interest in practicing in underserved areas. A scholarship that locks you in to a service commitment may not even be the best choice for you, even assuming no debt whatsoever.
Frequently an employer will include loan repayment as a contract incentive to bring a physician with particular skills to their area or facility. And you don't have to be in primary care. For example, at present there is fierce competition for all surgeons (especially general, osteopathic and vascular), OB/GYNs, Neurologists, Urologists, and Radiologists.
If you'd like to "browse" the job market, I'd like to invite you to visit my company's web site at <a href="http://www.practice.org" target="_blank">www.practice.org</a> We constantly survey medical facilities all across the country to update a publically available listing of typically 9,000 - 10,000 phyisician opportunities. This data base is free to use.
And when you're ready to enter the job market, we can help you to locate the position you want and negotiate a contract that will address your educational debt.
I hope this helps. Best wishes in pursuing your goals.