Resident Loan Interest Relief Program

About the Return of Service (ROS) Agreement

• Upon acceptance into the program, applicants are mailed a copy of their ROS signed by the Ministry of Health.
• It is important to note the following concerning the terms of the Return of Service Agreement:
  • Eligible Community for Return of Service is the entire province of Ontario without restriction.
  • Fellowships whether inside or outside of Ontario are not allowed. Upon commencement of a fellowship the resident medical loan goes into repayment. Participants who go directly from residency into practice must also start paying their loans.
  • Maternity/Paternity Leaves are allowed for a period of up to one year.
  • Locums are permitted for a period of up to one year.
  • Out-of Province Sub-specialty Training is allowed. Upon completion of sub-specialties, applicants must immediately begin practicing in Ontario within three months.
  • Full Time Hours are a requirement of this Return of Service and are negotiated with your employer. Full time hours are defined as a minimum average of 30 hours per week, although in most specialties additional hours maybe required beyond 30 hours to qualify as full time.
  • Other Return of Service Agreements signed by applicants are served concurrently, however applicants must adhere to the more restrictive Return of Service Agreement.
  • Relief Efforts Overseas are not currently eligible under this Return of Service, however, MOH is investigating how it might allow program participants to practice relief roles abroad.
  • Breach of the Return of Service Agreement will require the repayment of interest paid on your behalf, interest on that amount, and an administration cost of up to $4,000.00.