Summary

Creates a five-year HHS demonstration loan repayment program that pays eligible clinicians' outstanding loan principal and interest in exchange for five years of full‑time service at a rural Health Professional Shortage Area. Payments are made annually while serving and a final payment is made at completion, with a $200,000 individual cap; the program is funded at $50 million per year for FY2027–FY2031 and must be evaluated by HHS within five years.

• Creates an HHS demonstration loan repayment program for clinicians serving 5 years in rural Health Professional Shortage Areas.
• Targets clinicians otherwise eligible for NHSC loan repayment but not enrolled in that program.
• Pays annual principal and interest during service and a final payment after successful completion, with a $200,000 individual cap.
• Authorizes $50 million per year for FY2027–FY2031 to run the demonstration.
• Allows HHS to impose liquidated damages for breaches but protects participants who in good faith completed paid years.
• Applies NHSC loan repayment program rules to the demonstration except where the demonstration sets its own terms.
• Excludes the demonstration and participating sites from HPSA designation consideration for FY2026–FY2030.
• Requires an HHS report to Congress within five years evaluating effects on rural access to care.