About Us

The Primary Care Physician and Dentist Loan Redemption Program of New Jersey was authorized by section 60 of Public Law 1991.c.187 (c18A:72D-12 et seq.) enacted on July 1, 1991 as part of the Health Care Cost Reduction of 1991. From 1992 through 1998, primary care physicians and dentists were only eligible to participate in the program. In 1999, Public Law C46 was signed to amend the legislation for the program and expand eligibility for participants to include primary care certified nurse midwives, certified nurse practitioners and certified physician assistants. In 2009, the program was renamed the Primary Care Practitioner Loan Redemption Program of New Jersey (NJLRP).

The NJLRP is a State loan redemption program. Statutory Authority of the NJLRP is to the State of New Jersey Higher Education Student Assistance Authority (NJHESAA). The NJLRP is contracted and administered by Rutgers Biomedical and Health Sciences (formerly University of Medicine and Dentistry of New Jersey) on behalf of NJHESAA.

The goal of the NJLRP is to promote access to primary health care services in state designated underserved areas (see New Jersey Medically Underserved Index and/or Federally designated Health Professional Shortage Areas) in New Jersey by improving the maldistribution of primary care health professionals. As an incentive, NJLRP providers may redeem up to $120,000 of qualifying educational loans over a four-year period of service for eligible loans used to finance their medical/dental/graduate school education.

It is important to note that the NJLRP is a State loan redemption program and is separate from the federal loan repayment program administered by the U.S. Department of Health & Human Services National Health Service Corps.