Table 1.

Types of financial-incentive for return of service programmes

Type of programme	Time of commitment	Time of money receipt	Spending restrictions	Type of obligation
Service-requiring scholarships ("conditional scholarships")	Before the start of health care education or early in the course of health care education	During health care education	Money earmarked for health care education	Service*
Educational loans with service requirement	Before the start of health care education or early in the course of health care education	During health care education	Money earmarked for health care education	Service and financial repayment*
Service-option educational loans	Before the start of health care education or early in the course of health care education	During health care education	Money earmarked for health care education	Service or financial repayment
Loan repayment programmes	After completion of health care education	After completion of health care education, during committed service	Money earmarked to pay back educational debt	Service*
Direct financial incentives	After completion of health care education	After completion of health care education, during committed service	Money can be used for any purpose	Service*

*Programme may have a buy-out option.