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• Virtually all programs are competitive—if recruiters and/or employers imply that

such an award is guaranteed it probably is a community-based program, and

these offers should be received in writing.

• Penalties for defaulting are generally severe.

• Federal and state loan repayment programs are restricted to U.S. citizens,

but community-based or hospital/health system-based programs may welcome

foreign medical graduates.

• 3RNet members are excellent resources since they are aware of federal, state,

and local programs, which is important since regulations for one program may

prohibit the use of another.

Do not choose an opportunity just because it provides

repayment. Choose an opportunity and consider repayment

a bonus. A loan repayment program should not be the only

factor when choosing a job.