She is is a nurse, so she is not eligible for that program. I only became aware of the program because she mentioned a doctor there who had to refinance to pay

She is is a nurse, so she is not eligible for that program. I only became aware of the program because she mentioned a doctor there who had to refinance to pay it back when he left Kaiser. I guess you pay no interest for 10 years, and when you hit 10 years they forgive the interest entirely but if you leave before 10 years the full amount plus interest becomes due immediately.