Hello Everyone, So I just wanted to clarify. Private loans are considered in the NERLP program? I have two private loans, one from Wells and one from Sallie that account for about 40% of all my loans. I think I'm owe nearly 3 times what I make in a year, a little bit short. I work in a hospital that has an HPSA score of 13. Haven't consolidated any loans, submitted well before the deadline, employer is Denver Health (not for profit). I have not seen my application even go under review, went from submitted to not selected. Do you think calling them to ask would help me understand? Thanks, Lisa