An Incentive in Residency.

A Commitment to Serve.

It's Easy.


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Ready to Apply Fact Sheet

Residency Incentive Program

Are you a resident? We want to give you $35,000 per year while you are in residency. Seriously. Imagine what you could do with an extra $35,000 a year.  

Pay the interest on student loans while you complete residency? 

The experts say that is a smart financial decision and we aren't going to argue. The residency incentive allows you to skip loan deferrment if you choose, or you could use it for living expenses or invest it for some peace of mind.

We don't stipulate how you must use the money, just as we don't stipulate where you must practice.  We only ask for your commitment to treat underserved populations in rural or metropolitan areas of Tennessee for three or four years after residency. We will help you find a location to practice if you need assistance, but we want your ideas too.  

As the comedian Jay Leno once quipped, "The New England Journal of Medicine reports that 9 out of 10 doctors agree that 1 out of 10 doctors is an idiot."  

Don't be that guy.

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Over $7,000,000 dollars awarded to primary care residents.

About the Program


$35,000 a year - up to $140,000 - based on length of residency
Get money while you are still in residency.  Unencumbered. Just try to find that deal In New York or California.

Federal and State Incentives are available to you as well.

We don't mind if you contract with the Feds. Contact us for details.

Service Requirements

Year for Year Service
You commit to practice with underserved populations in Tennessee. Your obligation is one year of service for each year of incentive payments

Site Eligibility

Serving or open to serving TennCare Patients
unlike state or federal programs, your practice site does not have to be located in a HPSA (health professional shortage area) & we can help you find a site of your choice!


Due by March 1st, June 1st, September 1st, and December 1st
Residents in their final year may have a deadline extension and submit their application until May 15th of their final year of training

  • personal statement
  • medical transcripts
  • letter from program director
  • proof of US citizenship
  • pass all steps (USMLE/COMLEX)

Like many medical students I have had to take out federal and personal loans to make ends meet. The stipend has allowed me to pay off the bulk of my loans and eased my family’s transition out of residency into practice. -John Busigin, MD