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NIH Loan Repayment Programs are a vital component of our
nation's efforts to attract health professionals to careers
in clinical, pediatric, health disparities, or contraception
and infertility research.
In exchange for a two or three-year (for Intramural
General Research) commitment to your research career,
NIH will repay up to $35,000 per year of your
qualified educational debt. In addition, the NIH will
make corresponding Federal tax payments for credit
to your Internal Revenue Service tax account at
the rate of 39% of each loan repayment to cover
your increased Federal taxes. The NIH may also
reimburse any increased state or local taxes and/or
additional increased Federal taxes (where the Federal
tax payments were not sufficient to fully cover your
increased Federal taxes) that you incur as a result of
your LRP benefits.
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Most popular topics
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 Who's eligible?
What research qualifies for LRPs?
Most student loans qualify
What NIH requires of you
NIH makes your loan payments
Extending LRP Participation (Renewals)
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NIH also pays your income taxes!
LRP Application Guide
Best-Foot-Forward Tips
Answers to common LRP questions
LRPs for NIH employee-researchers only
NRSA Service Obligation
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Interested?
Here's what you need before you apply: U.S. citizenship
(or national or permanent resident status), a doctoral-
level degree, and educational debt equal to at least
20% of your base salary.
Here's what NIH will require of you: For two years
(an average of least 20 hours per week during each quarterly service period)
you must conduct qualified research at a
nonprofit
institution, funded by a domestic
nonprofit or US
government (Federal, state or local) entity.
LRPs are competitive. If your application is
accepted and you enter the program, NIH will
repay half of your qualified repayable educational
debt in two years (up to $70,000). In addition,
you can compete for additional loan repayments
to repay your remaining debt.
NIH provides the entire LRP application on
line, plus a Help Line is available to
answer your questions.
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Introduction
