FAQ - Frequently Asked Questions
To see a list of primary care disciplines eligible to participate in the NJLRP click here.
Providers who are not citizens of the United States are eligible to participate in the NJLRP, as long as the provider meets NJLRP's eligibility criteria and requirements.
Providers do not have to be a resident of New Jersey when applying to the program, however, before the provider can be enrolled into the program the provider must be a resident of New Jersey.
Yes. The prior restriction requiring participants to apply to the NJLRP no later than two years after graduation or completion of residency is no longer applicable.
Provider applications are accepted on an on-going basis and there is no deadline. Candidates in the last year of graduate professional training or residency are encouraged to submit a provider application to the NJLRP at least six months to completion of their program. Interested and eligible candidates should click here.
No. Once you have been approved to participate in the program, you will always be approved to participate in the NJLRP.
Ineligible applicants will be advised on how to become an eligible provider or placement site via correspondence. Applicants can either comply or appeal the decision within 14 days of the written notification.
The maximum period of service is four years. The NJLRP requires an obligation to serve full-time for the first two years of service. After completion of the initial two years, participants in good standing may continue their service obligation for a third year and/or fourth year.
No service credit will be given for employment at an approved placement site prior to the effective date on the NJLRP contract. Service credit will commence upon the effective date on the contract.
Providers that utilize a leave of absence must submit written notification to the NJLRP detailing, the last day of work, the dates associated with the type of time used (i.e. vacation time, sick time, etc.) and the date returned to work. The contract for the provider will be adjusted upon review by NJLRP staff.
The effective date on the contract is determined in the following sequential order: (a) the date the Selection Committee approves the provider; (b) the date employment began; or (c) the date the Selection Committee approves the placement site.
NJLRP participants that do not fulfill the initial two-year commitment are subject to pay 50% of the redeemed portion of indebtedness in not more than one year after breaching the NJLRP contract. Participants that do not fulfill the third or fourth year of service will not receive their loan disbursement for that service year.
Full-time practice is defined as:
- For all providers except noted below at least 32 of the minimum 40 hours per week must be spent providing direct patient care at the approved placement site during normally scheduled office hours. The remaining 8 hours per week may be spent in practice related administrative duties.
- For providers of obstetrics/gynecology at least 21 hours of the minimum 40 hours per week must be spent providing direct patient care at the approved placement site during normally scheduled office hours. The remaining 19 hours per week may be spent in practice related administrative duties.
Part-time practice is defined as:
- For all providers except noted below at least 16 of the minimum 20 hours per week must be spent providing direct patient care at the approved placement site during normally scheduled office hours. The remaining 4 hours per week may be spent in practice related administrative duties.
- For providers of obstetrics/gynecology at least 11 hours of the minimum 20 hours per week must be spent providing direct patient care at the approved placement site during normally scheduled office hours. The remaining 9 hours per week may be spent in practice related administrative duties.
If an applicant does not have a placement site, the applicant can still apply to the NJLRP. The NJLRP staff can provide assistance in job placement by circulating the provider's resume to approved NJLRP placement sites. If the NJLRP placement sites are interested in the provider the sites will contact the provider directly to initiate the interview process.
NJLRP providers may change practice sites during their service obligation.
Participating NJLRP providers are responsible for negotiating their employment contracts with employers. Packages should be comparable to the prevailing rate in the surrounding area.
Qualifying educational loans are government and commercial loans for actual costs paid for tuition and eligible expenses towards a graduate health profession program. Applicants must provide a copy of all documentation for qualifying educational loans, which includes the master promissory note, original loan dates, original loan amounts and the current outstanding loan balances.
If you have consolidated your graduate qualifying educational loans, you must submit a copy of the original graduate loan documents prior to consolidation demonstrating the original loan dates and original loan amounts. If undergraduate and graduate school loans were consolidated together, the NJLRP will only repay the graduate portion of the loan. Undergraduate education loans are not eligible for loan repayment. If an eligible qualifying educational loan is consolidated with any other debt other than your educational loans (i.e. mortgage, child's loan, etc.), the entire loan will not be eligible for loan redemption.
Loan repayments made under the NJLRP are tax free for Federal taxes for health professionals working in underserved areas based on the Expanded Tax Benefit for Health Professionals Working in Underserved Areas created by the Affordable Care Act of 2010. Loan repayments made under the NJLRP remain as State taxable income. The NJLRP strongly recommends that you seek the assistance of a tax professional regarding tax laws as it relates to loan repayments.
No. All loan repayments must be used to repay the approved qualifying educational loans.
To see eligibility criteria for placement sites click here.
Placement site applications are accepted on an on-going basis and there is no deadline. Interested and eligible placement sites should click here.
Sites not located in state designated medically underserved areas must complete a placement site application and submit a Patient Origin Study. In order to qualify, sites must demonstrate that at least 80% of its patients originate from state designated underserved areas listed on the New Jersey Medically Underserved Index.
The New Jersey Medically Underserved Index are municipalities that the Commissioner of New Jersey Department of Health designated that demonstrate a lack of access to timely, comprehensive primary health care based on economic and/or health indicators. These municipalities are used to place participants in the NJLRP. For more information click here.