About the Pilot Program

The Maine Health Care Provider Loan Repayment Pilot Program provides one-time funds to support rebuilding Maine’s health care industry workforce. The program attracts and retains health care professionals in Maine by repaying outstanding student loans of selected participants who commit to living and working in Maine for at least three years.

Program recipients may receive awards totaling up to $25,000 per year or, in aggregate, the lesser of $75,000 or 50% of the recipient’s outstanding loan balance.

Eligibility

Health Care Providers must:

  • Be licensed and/or certified by the state of Maine as a medical, dental, or behavioral health practitioner or be a person with a professionally recognized medical, dental or behavioral health credential in the state of Maine;
  • Have qualifying outstanding education loans and submit evidence of outstanding educational loan debt; 
  • Be employed full-time as an eligible health care provider as determined by FAME;
  • Not currently benefiting from a loan forgiveness program or loan repayment program administered by FAME or another entity (excluding federal income-driven repayment plans and the Public Service Loan Forgiveness program).

Loan Repayment Amounts

Up to $25,000 per year or, in aggregate, the lesser of $75,000 or 50% of your outstanding loan balance over three years.

Loan repayment awards are disbursed over a three-year period. Awards are paid directly to a recipient’s loan servicer and cannot be paid for an amount more than that which is outstanding at the time of payment.

Recipients must continue to make regular student loan payments.

Prior to each disbursement, recipients must supply evidence of continued employment in an eligible position, proof of continued professional qualification, and evidence of outstanding loan balances.

Renewals

There are no renewals. This is a one-time selection, awards to be disbursed over three years, and subject to employer certification.

How to Apply

The application cycle for the Maine Health Care Provider Loan Repayment Pilot Program closed on March 31, 2025. At this time, there are no plans to open an application cycle in 2026.

  1. The application for the Maine Health Care Provider Loan Repayment Pilot Program must be completed online. You will not be able to save an application in progress and return to it later—once you begin the application, you will need to complete it.
  2. Before you begin, have all documents required to complete your application saved as PDF files
    • Essay describing your commitment to Maine as a health care provider in your specialty and the impact that being selected would have on your career goals (limit 4,500 characters)
    • Evidence of outstanding education loans that includes your full name, loan servicer name, loan type, current outstanding balance, remaining term, monthly payment amount, and evidence of income-driven repayment plan on federal education loans (if applicable)
    • Copy of Maine licensure or certification, or other credential
    • Official academic transcript showing most recent degree conferred
    • Résumé (must include your current position)
    • If not currently employed, submit a copy of your contract or employment letter
  3. Review the following documents included in the application
    • Application Guidelines & Checklist
    • Private Education Loan Application & Solicitation Disclosure
  4. The program application link below will direct you to FAME’s online application system.
Maine Health Care Provider Loan Repayment Pilot Program Application

You must submit all required documents by March 31 for your application to be considered complete. Applications that are not complete by the deadline are ineligible. FAME assumes no responsibility for identifying missing or erroneous information.

How Health Care Providers Are Selected

Complete applications will be reviewed by FAME for selection, and qualifying applications prioritized. Please note: funding is limited; not all who qualify will receive loan repayment. All applicants will be notified by mail of the selection decision.

Prioritization will be based on the following:

  1. Access to health care for the population where the applicant practices or intends to practice; such as number of vacancies within a local provider system; timeliness of appointments; and whether they or their employer accepts Medicaid;
  2. Monthly student debt obligation payment as a percentage of gross monthly income;
  3. Need for specific health care practitioners in a given employment region;
  4. Workforce needs of Maine health care providers, with special emphasis on the following occupations:
    • Nurses
    • Occupational Therapists
    • Certified Occupational Therapy Assistants
    • Physical Therapists
    • Speech Therapists
    • Behavioral Health Care Workers
    • Licensed Clinical Social Workers including, but not limited to, applied Behavioral Analysts and Board Certified Behavior Analysts, and Licensed Clinical Professional Counselors
    • Dental Hygienists
    • Dental Therapists
    • Medical Assistants
    • Pharmacists
    • Health Care Technicians, including, but not limited to, Respiratory Therapists, Surgical Technicians, and Imaging Technicians such as MRI Technicians and Ultra Sonographers

Selected recipients are required to submit an electronic employment certification from their employer. Selection is contingent upon satisfactory employment certification.

This program is governed by Maine law as set forth in P.L. 2021, Ch. 483 (Part H) and Chapter 620 of the Rules of the Finance Authority of Maine.

Additional Questions?

If you have additional questions, please contact a FAME Education Program Specialist Monday through Friday, 8:00 a.m. to 4:00 p.m.

207-623-3263 | Toll-free: 800-228-3734 | TTY: 207-626-2717

Education@FAMEmaine.com