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LRP Program Details

Loan Eligibility

Qualifying Lenders

Qualified lenders: Any U.S. government (Federal, State, or local) entity, accredited U.S. academic institution, and/or U.S. commercial educational lender that is subject to examination and supervision in their capacity as a lending institution by an agency of the United States or of the State in which the lender has its principal place of business.

Unqualified lenders: Entities that are not U.S. government (Federal, State, or local), U.S. academic, or U.S. commercial educational lenders.  Loans from friends, relatives, or other individuals are also not qualified.

Loan Eligibility

Most U.S.-based educational loans made by a qualified lender for educational purposes are eligible for repayment, including U.S.-based educational loans made for the following purposes:

  • Undergraduate, graduate, and health professional school tuition and expenses;
  • Other reasonable educational expenses required by the school(s) attended, including fees, books, supplies, educational equipment and materials, and laboratory expenses;
  • Reasonable living expenses, including the cost of room and board, transportation and commuting costs, and other living expenses as determined by the Secretary of the Department of Health & Human Services.

A consolidated loan is eligible as long as all loans in the consolidation are eligible for repayment.

Existing principal and capitalized interest on eligible loans and related expenses, such as the required insurance premiums on the unpaid balances of some loans, from qualifying lenders are also eligible for repayment.

Ineligible Loans

The following loans are not eligible for repayment through the LRPs:

  • Consolidated loans that include at least one of the following loans are not eligible for repayment;
    • Loans obtained from an unqualified lender;
    • Loans obtained by the applicant for an individual other than the applicant, such as a spouse or child;
    • Loans obtained by an individual other than the applicant, such as a spouse or parent;
    • Non-educational loans, such as a home-equity loan;
  • Loans for which eligibility documentation is not provided;
  • Loans or portions of loans obtained for educational or living expenses which exceed a reasonable level as determined by the standard school budget for the year in which the loan was made;
  • Loans, financial debts, or service obligations incurred under a program where an incurred service obligation converts to a loan upon failure to satisfy the service obligation;
  • Loans that are delinquent, in default, or not current in their repayment schedule;
  • Parent PLUS loans;
  • Loans that are paid-in-full;
  • Loans that are obtained after the start date of the initial NIH Loan Repayment Program Contract.

Additionally, late fees, penalty fees, additional interest charges, or collections costs will not be repaid by the LRP.

Register to Start Your Application View Detailed Loan Information



Legislative Authority

In June 1993, Public Law (Pub. L.) 103-43 authorized Section 487C of the Public Health Service (PHS) Act (42 USC 288-3), establishing a program of educational loan repayment to attract highly qualified health professionals, particularly physicians, to conduct research at NIH.

Fellows who are offered employment by the NIH in subspecialty and residency training programs accredited by the Accreditation Council for Graduate Medical Education (ACGME) may be eligible for loan repayment. If you are offered NIH employment, your Fellowship Program Director must provide DLR with the recommendation form and the employment materials listed therein to initiate the special ACGME LRP Application Process. Upon notification that a formal offer has been made, DLR will contact you directly to determine your eligibility (based on educational debt) and provide you with the link to your online application. You should not start an online application until you are instructed to do so by the DLR.

Additional Program Information

Applicants to the General Research LRP for ACGME Fellows must hold a three-year NIH appointment, beginning in the fiscal year of an LRP application submission.



See Eligibility on the Eligibility & Programs page.


Review Process

Non-Competitive Application Process

The General Research LRP offers three-year, non-competitive awards to ACGME fellows. ACGME fellows should contact their supervisor for additional information and to begin the application process.  The application opens on September 1 and closes on June 15 and is limited to 24 awards.

Award Calculations

All Intramural General Research for ACGME Fellows LRP new awards are three years.  Repayments for a new award are calculated by using the eligible educational debt at the contract start date. The amount awarded is equal to one-quarter of the total eligible debt, up to $17,000, for each year of the award. To receive the maximum amount of $51,000 for a three-year award, an applicant must have at least $68,000 in eligible educational debt at the contract start date.

The Intramural General Research for ACGME Fellows LRP award cannot be renewed.  Applicants wanting to continue in the Intramural LRPs beyond the initial three-year period must apply for a renewal award through the competitive Intramural General Research LRP.

Payments are made on a quarterly basis, starting with the highest priority loan per NIH guidelines.  If a loan is paid-in-full before the end of the contract, subsequent quarterly payments will be directed to the loan with the next highest priority.  See a full list of the loan priority order.

Use the repayment calculator to estimate the amount of an LRP new award.

Repayment Calculator

Contractual Obligations

Contract Length

A General Research LRP for ACGME Fellows new award is a three-year contract that starts on the date of NIH employment.  Awardees are required to meet the terms and conditions of the LRP award for the entire contract period.

While a General Research LRP for ACGME Fellows new award is available non-competitively to individuals accepted into ACGME training programs, renewal awards are only available through the competitive Intramural General Research LRP.

An LRP award cannot be transferred from an Intramural LRP to an Extramural LRP.  If an awardee terminates employment with NIH, the LRP award will be terminated as well. Depending on the circumstances of the change in employment, breach of contract may be considered by the NIH Institute or Center (IC) that funded the award.

Change of Institution (COIs)

If an awardee transfers to another IC within the NIH, the awardee may continue to participate in the NIH LRP as long as the IC to which the awardee is transferring also participates in the NIH Intramural LRPs. The awardee must continue to meet the eligibility requirements.

It is the responsibility of the Intramural award recipient to notify DLR immediately if there is a pending change in NIH IC.  The awardee must provide a copy of the SF-50 for the new position at the new IC as soon as it becomes available. This information will be reviewed by the Director, Intramural Loan Repayment Programs and the awardee may be asked to provide additional information during the review.

If the Intramural awardee obtains employment outside of the NIH, the awardee will no longer be eligible to participate in the Intramural LRPs and the award will be terminated immediately. This may also constitute a breach of contract and the awardee may be subjected to the financial penalties described in the contract.

Family Leave

Family leave can include maternity, paternity, parental, and adoption leave. Paid family leave can be taken during an LRP award. Any unpaid leave, even if covered under the Family Medical Leave Act (FMLA), may result in a reduced quarterly payment. Awardees must make payments to lenders on their own behalf for periods of Leave Without Pay (LWOP).

Breach of Contract

Failure to complete the terms of an LRP contract, including the research service requirement, is considered a breach of contract.  The penalty for breaching the LRP contract is $7,500 for each month the contract terms are not met, with the minimum penalty set at $31,000.  Please read the LRP contract in its entirety before applying to the LRP.

Key Dates


2017 SEP
2018 JUN

Online Application Period

2017 SEP
2018 JUN

Colleague & Institutional Documentation Period

2018 JUN

Contract & Certification Documentation Deadline

2018 FEB
2018 JUL

IC & Peer Review Period

2017 SEP
2018 AUG

Financial Review Period

2018 SEP

Notification Period



Application Components

Individuals applying to the General Research LRP for ACGME fellows are automatically considered mentored research scientists, and the mentor/supervisor will be selected when the individual identifies the ACGME fellowship program in the application.

There are many attachments requested during the online application process.  The table below lists the required attachments, organized by type of document and who needs to submit it.

Document or Form Mentored Research Scientist Independent Researcher

NIH Biosketch (Applicant)

Submitted by:

Applicant Applicant
Instructions: Submit a Biosketch in a specified NIH format. It is not necessary to have a well-established career to apply to the LRP, but the Biosketch should include a list of significant honors and grants. An NIH Biosketch cannot exceed five (5) pages.

NIH Biosketch (Mentor)

Submitted by:

Not Applicable Not Applicable
Instructions: Submit a Biosketch in a specified NIH format. An NIH Biosketch cannot exceed five (5) pages.

NIH Biosketch (Additional)

Submitted by:

Not Applicable Not Applicable
Instructions:If another laboratory staff member will be involved in the mentoring program, this staff member’s Biosketch should be provided by the mentor. The Biosketch must be in a specified NIH format and cannot exceed five (5) pages.  Only one additional Biosketch may be attached to an application.

Personal Statement

Submitted by:

Applicant Applicant
Instructions:Use one (1) page to describe briefly your previous research training experience and short-term academic and research objectives.

Career Development Plan

Submitted by:

Not Applicable Not Applicable
Instructions: Use two (2) pages or less to describe your career development plan and explain how this plan will foster the development of your career in research.  Specify the types of research methods and scientific techniques to be learned, memberships in journal clubs or groups, and conferences and seminars to be attended.

Recommendation for LRP Funding

Submitted by:

ACGME Program Representative ACGME Program Representative
Instructions: Complete all information in Section A about the applicant and attach a copy of the applicant’s offer of employment letter from the ACGME Training Program Director. The letter must state a minimum 3-year employment period. Also attach a copy of the SF-50 or SF-52, if available.

Research Activities

Submitted by:

Not Applicable Not Applicable
Instructions: Use eight (8) pages or less to describe the research activities you will pursue over the next two years and your specific role and responsibilities in the research project(s). Literature citations are included in the character count and should be listed on the last page. Include your name, employer, title of research project, and date in the document header.

Research Environment

Submitted by:

Not Applicable Not Applicable
Instructions: Use one (1) page to describe the research to be conducted during the course of the LRP award and the facilities that will be available to execute the project.  The description should include the branch/laboratory/section/department of the applicant and the appropriate scientific colleagues, institutional research, and facilities available.  Include a brief description of the funding source for your research. Also, if this is a mentored application, a brief description of the mentor's research should be included.

Training/Mentoring Plan

Submitted by:

Not Applicable Not Applicable
Instructions: Use two (2) pages or less to describe your research training program and mentoring plan. Specify the types of training interactions, training mechanisms to be used, research methods, and scientific techniques to be learned, and involvement in activities such as journal clubs, professional groups, conferences, and seminars. Describe how your mentor will contribute to your training program and his/her prior experience as a mentor of other investigators. Additionally, the nature and extent of supervision should be discussed as they will occur during the award period. If another laboratory staff member will be involved in your mentoring program, provide his/her name and describe his/her degree of involvement.


Submitted by:

Not Applicable Not Applicable
Instructions: Provide a copy of your passport, birth certificate, or certification of naturalization.  After the application is submitted, proof of citizenship can be uploaded directly to the submitted application or faxed to 1-866-849-4046 using the appropriate coversheet, which will be provided during the online application process.

Certification for Online Application

Submitted by:

Applicant Applicant
Instructions: Print, review, and sign this form, which will be provided during the online application process. After the application is submitted, the Certification for Online Application can be uploaded directly to the submitted application or faxed to 1-866-849-4046 using the appropriate coversheet.


Submitted by:

Applicant Applicant
Instructions:  Print, review, and sign the LRP contract, which will be emailed to the applicant approximately 24 hours after application submission. Electronic copies of the contract are not accepted. The signed contract must be mailed to DLR by December 31 (approximately six weeks after the online application deadline).

Loan Documents

Submitted by:

Applicant Applicant
Instructions: Note that it can take many months to obtain the LRP-required documentation from lenders and servicers, so LRP applicants are strongly advised to collect those documents well in advance. Provide specified documentation to demonstrate that educational loans listed in the application are eligible for loan repayment.  Loans will be considered ineligible if appropriate documentation is not provided in a timely manner. See additional details about loan documents. Applicants will be notified by DLR when to submit those documents any time between May and August.
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