Misty Kahale, a Molokai native, just finished her first year of medical school at the University of Nevada, Las Vegas. By the time she graduates, she anticipates carrying $300,000 in student debt. But a new Hawaii grant program could cover her remaining tuition costs, offering what she described as immediate relief from financial pressure.

The program, funded with $28 million in federal money, requires grant recipients to work full time in rural Hawaii for five years after completing their medical training. The condition is meant to encourage doctors and other healthcare providers to establish careers in communities where physician shortages have long been a problem.

State officials said the initiative is part of a broader effort to address gaps in rural healthcare access. Hawaii has struggled to attract and retain medical professionals in remote areas, a challenge that has persisted despite various recruitment and incentive programs over the years.

Kahale told the Associated Press that the prospect of having her tuition covered would “instantly diffuse” her financial stress. She is among the first cohort of medical students eligible to apply for the grant, which is open to students at accredited U.S. medical schools who commit to practicing in Hawaii’s rural regions.

The program uses federal funds allocated by state leaders. Gov. Josh Green has made healthcare workforce development a priority, signing legislation earlier this year to expand loan repayment and scholarship programs for health professionals who serve in underserved parts of the state.

Rural communities across Hawaii have faced particular difficulty in recruiting physicians. The state’s geographic isolation, high cost of living, and limited infrastructure have made it hard for clinics and hospitals on neighbor islands to compete with urban health systems. The new grant program aims to create a pipeline of doctors who have personal or educational ties to the state.

Applicants must demonstrate a commitment to practicing family medicine, internal medicine, pediatrics, or other primary care specialties that are most needed in rural areas. Awardees will be selected based on academic performance, financial need, and a demonstrated connection to Hawaii’s rural communities.

The program is in its initial enrollment cycle. Officials said they expect to fund a limited number of students in the first year, with the goal of expanding as more federal funds become available. The five-year service commitment begins after residency training, meaning the first recipients would not begin their rural practice until the early 2030s.

Some healthcare advocates have praised the program as a creative approach to a stubborn problem, though they caution that tuition relief alone may not be enough to overcome Hawaii’s systemic challenges. Housing costs, professional isolation, and limited career advancement opportunities remain significant barriers for doctors considering rural practice.

Kahale, who grew up on Molokai, said she understands those challenges firsthand. She said she remains committed to returning to her home community after training, and the grant program makes that path financially viable.

“I want to serve the people who raised me,” she said. “This program makes it possible to do that without drowning in debt.”

Going deeper: Read MSI’s analysis of rural physician recruitment incentives →