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To stimulate education among primary care doctoral candidates, the Primary Care Loan Program provides auxiliary, non-credit based loans to those students pursuing medical degrees in primary care. Loans each feature a grace period of 12 months before repayment begins, but other stipulations must also be met. Participants must complete primary care residencies within 4 years of graduation, and must agree to practice primary care medicine for the duration of the loan repayment period. A: You should know that cosigning a loan on someone's behalf is a significant decision as the loan will also appear on your report and will have an impact on your borrowing abilities in the future. So when you are cosigning you should keep in mind that it is a major fiscal responsibility. Federal Stafford Loans Made Fast and Easy