PCL Acceptable and Unacceptable ActivitiesFor borrowers interested in the Primary Care Loan (PCL) below is a list of the Acceptable and Unacceptable fields of training and practice.
Acceptable residency training activities for a Primary Care Loan borrower include:
- Family Medicine
- Internal Medicine
- Combined Medicine/Pediatrics
- Preventive Medicine
- General Practice
Acceptable practice activities for a Primary Care Loan borrower include:
- Primary Care Clinical Practice
- Clinical Preventive Medicine
- Occupational Medicine
- Public Health
- Senior/chief resident in primary care residency program
- Faculty Administrators, or policy makers certified in one of the primary health care disciplines:
- adolescent medicine
- adolescent pediatrics
- sports medicine
- masters in public health
- public policy fellowship
- primary care fellowship
Other Appropriate Activities
The educational activity must be directly related to the health profession for which the borrower obtained the loan. In addition the borrower must enter into the activity either prior to the end of his/her advanced professional training or no later than 12 months after the borrower completed participation in that advanced professional training. The related educational activity must meet the following criteria for the borrower to obtain a deferment:
- The activity must be part of a joint-degree program in conjunction with the health profession program for which the borrower received the loan;
- The activity is required for licensure, registration or certification in the health profession for which the borrower received the loan;
- The activity is a full-time educational program in public health, health administration or a health care discipline directly related to the health profession for which the borrower received the HPSL.
Unacceptable practice activities include:
- Rehabilitation Medicine
- Emergency Medicine
- Other subspecialty training or certification
The law requires that PCL recipients practice in primary care, but does not specify that the practice be full-time. Even though part-time practice is acceptable, the recipient would be in breach of service if this part-time status allowed him or her to subspecialize. Additionally, PCL recipients must fulfill their service obligation in the U.S. or one of its territories. Service outside the U.S. is only permitted if borrower is in Military Service and is assigned to service outside the U.S.
Borrowers should note that there are penalties assessed for participating in an Unacceptable field of training or practice. Please refer to the Certification and Penalties page for more information.