Frequently Asked Questions

Who is eligible?
What are the maximum loan amounts?
How do I repay the loans?

Who is Eligible For PRIMO?
To be eligible, the applicant must be a Missouri resident attending a Missouri institution as a full-time student. Missouri residents are those who have lived in this state for more than one year for any purpose other than to attend an educational institution. Priority will be given to previous recipients (PRIMO Scholars) participants in PRIMO supported programs, residents of underserved areas and minority persons.

Applicants must have been accepted by or currently attending a school offering a course of study leading to a degree as:

  1. A Doctor of Allopathic Medicine (M.D.)
  2. A Doctor of Osteopathic Medicine (D.O.)
  3. A Doctor of Dentistry (D.D.S.)
  4. A Doctor of Psychiatry

OR

Have been accepted by or currently attending a school offering a Bachelor of Science (B.S.) degree in a field leading to acceptance into a school of medicine.

OR

Have been accepted by or currently attending a school offering a Bachelor Of Science (B.S.) or Associate (A.A.) degree in dental hygiene preparing the applicant for successful completion of the National Board Dental Hygiene Examination and the clinical examinations.

OR

Have been accepted into a graduate program leading to licensure as a clinical social worker, professional counselor, or psychologist.

What are the maximum loan amounts?
Loan amounts are based on discipline and level of degree. Amounts range from $5,000 to $20,000 per year.

How Do I Repay My Loan?
Loans are repaid in two ways: PRIMO Student Loan recipients can either earn forgiveness for their loans or repay them through cash repayment.  All funds received by PRIMO students accrue interest at the rate of 9.5 percent annually. Interest begins accruing from the date the payment is issued. Cash repayment periods are a maximum of 60 months.

Forgiveness:  The preferred method of repaying PRIMO students loans is through earning forgiveness.  Recipients repay their PRIMO student loans by working in rural or underserved areas of Missouri upon completion of training and licensure.  To determine eligibility for forgiveness, participants must complete surveys on a periodic basis.

The number of years a PRIMO participant will need to work to repay a debt through forgiveness is determined by the number of loans they have received.  If a PRIMO participant has received funding for less than five years, forgiveness will be on a year-for-year basis.  If the participant received funding for five years or more, forgiveness will be earned at the rate of 20% per year.

Cash Repayment:  Interest of 9.5% begins accruing from the date the payment is issued. Cash repayment periods are a maximum of 60 months.  Payments are due by the fifth working day of the month.  Payments not made in a timely manner are referred to collections.

PRIMO medical and dental scholars will be expected to comply with the following in order to earn forgiveness of their loans:

  1. Work in a DHSS-approved area of defined need to earn forgiveness for their loans;
  2. Utilize and publicly post a sliding-fee schedule in their practice;
  3. Accept Medicaid and MC+ patients in their practice;
  4. Submit annually, an aggregate payer source report that demonstrates they serve medically-underserved populations; and
  5. Prior to completion of training, all participants must consult the Provider Recruitment and Retention Services Manager regarding available opportunities in Missouri.