To encourage students to select particular specialties and to work in locations which may have a great health manpower need, some federal, state and private loan repayment programs have been established. Through these programs, an individual may qualify for federal, state or private funds to repay educational loans in exchange for primary care service in a particular community or underserved area of the country. Typically, you would apply for these programs during your final year of residency training. Some of the existing loan repayment programs are listed below. By no means should you consider this a complete listing. It is meant to give you an idea of the opportunities which currently exist. Keep your eyes open to other possibilities.