After all, this is taxpayer money and the student has entered into a valid contract with the government. Legally and ethically, the issue is clear. However, doctors of chiropractic, in particular, fall victim to long-held inequities within the HEAL system that often prevent them from paying loans on time. The ACA is working diligently to remedy these injustices by helping chiropractors who have defaulted get back on their feet, and ultimately improving the HEAL situation not only for chiropractors, but for all health care professionals. Many of these subsidies come in the form of research grants.
Most chiropractic colleges have curricula based on a trimester structure.
Graduates must often wait several months after graduation to sit for the licensing exams. Over the past two decades, medical practitioners have developed large group practices, often having hundreds of doctors in a single practice. New medical graduates are invited to join these practices for guaranteed and virtual overnight success providing them the means to repay their educational loans at an earlier date. Chiropractic students are not eligible for this program. Attempts to correct this inequality have been made for 20 years.