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Primary Care Loans

Applying for a Primary Care Loan

The Primary Care Loan program provides long-term, low interest rate loans to full-time, financially needy students to pursue a degree in allopathic or osteopathic medicine. Loans to third and fourth year students may be increased to repay outstanding balances on other loans taken out while in attendance at that school.

Students receiving a Primary Care Loan must agree to:

  • enter and complete residency training in primary care within four years after graduation.
  • practice in primary care for the life of the loan.

The Ohio University Heritage College of Osteopathic Medicine traditionally has annual funding from the Division of Student Assistance at Health and Human Services. (The college also maintains a rotary fund with repayments from graduated PCL loan recipients.) The amount of funds from these sources varies from year to year and dictates how many students we fund annually in this program.

Preference is given to eligible year 3 and 4 students. Maximum award amounts are calculated using the cost of attendance minus the student (and in some cases the parents' expected financial contribution (taken from the FAFSA)), already awarded scholarship and grant aid and availability of PCL loan funding.

All interested students should contact the Heritage College financial aid office by email or call us at 740.593.2158. Annual application is required even if the student received an award in a previous year.

For more information see our Primary Care Loans FAQs or email us at

Entrance and Exit Interview

All students requesting Primary Care Loan funds are required to complete this quiz on an annual basis at the beginning of each year that they wish to be considered for the Primary Care Loan. This quiz is designed to review all of the terms and conditions, rights and responsibilities, and obligations associated with accepting the Primary Care Loan.

Completion of this quiz is also required for any graduating students that were awarded Primary Care Loan funds while attending the Heritage College.

Here is what to expect from this quiz:

  • Read about the terms and conditions and obligations of the PCL loan;
  • Take the PCL Quiz. You must answer all questions correctly in order to complete the quiz;
  • Fill in the personal identifier information and follow the directions to submit the form electronically to Student Affairs.

Note: We must receive this before we can disburse your PCL loan.

This online quiz will take approximately 25-30 minutes to complete. If you have any questions about the Primary Care Loan, you may contact the financial aid office at

PCL Quiz