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Postdoctorate trainees on T32 grants and postdoctorate fellows (F series) must repay the government for their grant support. This isn't like paying off a loan; your debt is one of time and effort, not money. You can pay it off by continuing to work on the project for which you were funded.
During the first year of your appointment, you'll owe one month of payback for every month you're supported by NIH funds. After the first year, you can start paying back. For every month you continue to work -- even with funding -- you pay back one month of your debt. If your training lasts two years, your obligation will be paid in full.
If You Can't Pay Back With Work
If your project loses funding after the first year, you can complete your payback through continued research or teaching on at least a half-time basis (20 hours per week). Unless there are serious extenuating circumstances, you must complete the payback within two years after termination of support. If you fail to repay your obligation within two years, you'll owe the government the full amount of your grant, plus interest. If you don't perform the research or teaching necessary for payback, make sure you'll have the money to reimburse the government for your grant.
Your Payback Agreement
For information on submitting your payback agreement, see Submitting Your Fellowship Forms, Contacting NIAID and Submitting Your Training Grant Forms, Contacting NIAID.
Additional Resources
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