Common\Publications\SharedLoanDocs\pclstudentack.pdf Page 2 of 2
Are there exceptions to the primary health care service
obligation? (Continued from page 1)
• Your primary health care service obligation may be waived
if you terminate studies before graduating and do not later
• Your primary health care service obligation may be
suspended for the period you are not enrolled because you
have terminated studies before graduating; your obligation
is resumed when you return to medical school to complete
What if I do not fulfill the primary health care service
At the point you fail to fulfill your service obligation, the
outstanding loan balance will be computed at an interest rate of
7% from the date of noncompliance, compounded annually.
What if I accept the PCL and change my mind about primary
If you are not firmly committed to the practice of primary health
care, you should not accept a PCL.
What if I want additional certification?
You may obtain additional certification in primary health care
while fulfilling your service obligation as long as you complete
your primary health care residency program within four years
after graduation. For example, if your primary health care
residency is completed in three years after graduation, you may
obtain certification in an area of training to enhance your primary
health care practice (e.g., geriatrics) at any time, and it will be
considered an acceptable activity for fulfillment of your service
obligation. However you may not do additional training or obtain
certification in any non-primary health care subspecialty.
• Repayment begins following a 12-month grace period after
you cease to be a full-time student.
• Interest at 5% is computed on the unpaid principal balance
and begins to accrue upon expiration of your grace period
unless you are eligible to defer payment.
• Loans are repayable over a period of not less than 10 years
and no more than 25 years, at the discretion of the institution.
• PCL borrowers are not eligible for federal repayment options
(e.g., Income-Based Repayment (IBR), or Pay As You Earn
• PCL borrowers are not eligible for federal Public Service
Loan Forgiveness, National Health Service Corps Loan
Repayment, or Indian Health Service Loan Repayment.
• Opportunities for loan forgiveness may be available under
other shortage-area loan repayment programs (e.g., the
California Steven M. Thompson Physician Corps Loan
May payment of my PCL be deferred?
• Up to four years in an eligible primary health care
• Up to three years as a volunteer under the Peace Corps
Act practicing in an eligible primary health care activity.
• Up to three years as active duty in the uniformed military
services. To be eligible for deferment, you must be on
sustained full-time active duty practicing in an eligible
primary health care activity in the Army, Navy, Air Force,
Marine Corps, Coast Guard, National Oceanic and
Atmospheric Administration Corps or the U.S. Public
Health Service Commissioned Corps.
• For periods of advanced professional training in primary
Is a PCL eligible for consolidation?
PCL is not eligible for federal loan consolidation because of
the distinct service obligation.
What happens to my PCL in the event of death or disability?
Your obligation to repay the loan will be cancelled upon receipt of
the required documentation in the event of your death or
permanent and total disability.
How should I explore whether PCL is right for me?
1. Talk with primary health care faculty.
2. Attend primary health care society meetings.
3. Meet with the financial aid office staff about eligibility
and terms and conditions.
I acknowledge and certify my understanding of the terms,
conditions and requirements associated with the Primary Care
Loan as outlined in this informational document.
UC Davis Student ID#
OR FAX TO
INCOMPLETE FORMS MAY DELAY THE RELEASE OF THE STUDENT’S FINANCIAL AID.