Loan Repayment Finder
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Kentucky Student Loan Repayment for Rural Workers

Student loan repayment programs in Kentucky that are open to rural workers, plus federal programs you can use in Kentucky. Each links to the official source.

Kentucky programs

Kentucky State Loan Repayment Program

University of Kentucky Center of Excellence in Rural Health

Health care Physicians & PAs Rural service

Who it's for
Primary care clinicians in rural and underserved Kentucky.
Service required
Two-year full-time or three-year part-time commitment.

Last checked Oct 21, 2026 · Official source ↗

Federal programs for rural workers in Kentucky

Indian Health Service Loan Repayment Program

Indian Health Service (HHS)

Health care Rural service Nurses Physicians & PAs Dental Mental & behavioral health Pharmacists

Award
Up to $50,000
Who it's for
Physicians, nurses, pharmacists, dentists, behavioral health and other health clinicians serving American Indian and Alaska Native communities.
Service required
Initial two-year service commitment at an eligible Indian health program site.

Last checked Oct 21, 2026 · Official source ↗

NHSC Rural Community Loan Repayment Program

Health Resources and Services Administration (HRSA)

Health care Rural service Nurses Physicians & PAs Mental & behavioral health Pharmacists

Award
Up to $100,000 for full-time service
Who it's for
Physicians, nurse practitioners, registered nurses, pharmacists, psychologists, social workers, counselors and other clinicians treating substance use disorders in rural communities.
Service required
Three years at a rural NHSC-approved substance use disorder treatment facility.

The 2026 cycle accepted applications Jan 30 to Mar 31, 2026; check the official page for the next cycle.

Last checked Oct 21, 2026 · Official source ↗

Veterinary Medicine Loan Repayment Program (VMLRP)

USDA National Institute of Food and Agriculture

Veterinarians Rural service

Award
Up to $40,000 a year
Who it's for
Veterinarians willing to practice in a USDA-designated veterinary shortage area.
Service required
Three-year service commitment in a designated veterinary shortage area.

Last checked Oct 21, 2026 · Official source ↗

Public Service Loan Forgiveness (PSLF)

U.S. Department of Education, Federal Student Aid

Any field Public service

Award
Remaining Direct Loan balance forgiven
Who it's for
Borrowers working full time for a government or qualifying nonprofit employer.
Service required
120 qualifying monthly payments under a qualifying repayment plan.

Last checked Oct 21, 2026 · Official source ↗

All Kentucky programs · Rural Workers in other states · Eligibility quiz