New York Gov. Eliot Spitzer has proposed an initiative to pay off student loans for doctors as a reward for working in underserved areas. The proposal would set aside $2 million a year to create a physician loan repayment program that would help as many as 100 doctors each year. If the doctor stays in an underserved area for the minimum requirement of two years, 30 percent of the loan would be paid off, and payments would grow each year to the point where it would be paid off after five years.