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Loan Repayment Programs for Health Professionals
If you do the research, National Institutes for Health (NIH) will repay your student loans. That is the idea behind the NIH Loan Repayment Programs (LRPs). NIH wants to encourage outstanding health professionals to pursue careers in biomedical, behavioral, social, and clinical research. If you commit at least two years to conducting qualified research funded by a domestic nonprofit organization or U.S. federal, state, or local government entity, NIH may repay up to $35,000 of your qualified student loan debt per year, including most undergraduate, graduate, and medical school loans. Loan repayment benefits are in addition to the institutional salary you receive for your research.
General Eligibility Requirements
All eligible researchers and scientists, including women, individuals from underrepresented groups, and persons with disabilities, are encouraged to apply for loan repayment. To be eligible for participation in the extramural LRPs, you must be a U.S. citizen, U.S. national, or permanent resident of the U.S. and have a health professional doctoral degree (M.D., Ph.D., Psy.D., Pharm. D., D.O., D.D.S., D.M.D., D.P.M., D.C., N.D., or equivalent doctoral degree) from an accredited institution. (Note: the Contraception and Infertility Research LRP is open to individuals with a doctoral degree, as well as nurses, physician assistants, graduate students, and postgraduate research fellows training in the health professions; D.V.M. is eligible for all LRPs except the Clinical Research LRP or Clinical Research LRP for Individuals from Disadvantaged Backgrounds.)
Qualified Education Debt
Through the LRPs, NIH will repay a portion of the remaining qualified educational loan debt that you have incurred to pay for undergraduate, graduate, and/or health professional school educational expenses. NIH will repay lenders for the remaining principal, interest, and related expenses (such as required insurance premiums on the unpaid balances of some loans) of educational loans from a U.S. government entity; an academic institution; or a commercial or other chartered U.S. lending institution (such as a bank, credit union, savings and loan association, not-for-profit organization, insurance company, or other financial or credit institution).
To be eligible for repayment, loans must have been obtained for one or more of the following: - Undergraduate, graduate, and health professional school tuition 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 U.S. Department of Health and Human Services
Qualified Research Programs
If you are or will be conducting qualified research at a domestic nonprofit institution outside NIH, you may be eligible for one of the five extramural LRPs:
Clinical Research: The purpose of the Clinical Research LRP is to recruit and retain highly qualified health professionals as clinical investigators. Eligible candidates are those engaged in patient-oriented research conducted with human subjects, or research on the causes and consequences of disease in human populations involving material of human origin (such as tissue specimens and cognitive phenomena) for which an investigator or colleague directly interacts with human subjects in an outpatient or inpatient setting to clarify a problem in human physiology, pathophysiology or disease, epidemiologic or behavioral studies, outcomes or health services research, or developing new technologies, therapeutic interventions, or clinical trials.
Pediatric Research: The purpose of the Pediatric Research LRP is to recruit and retain highly qualified health professionals as pediatric investigators. Eligible candidates will conduct research that is directly related to diseases, disorders, and other conditions in children, including pediatric pharmacology.
Health Disparities Research: The purpose of the Health Disparities Research LRP is to recruit and retain highly qualified health professionals to research careers that focus on minority health or other health disparity issues. Funding for this LRP is provided through the NIH's National Center on Minority Health and Health Disparities (NCMHD), which ensures that at least 50 percent of the awards are made to health professionals who are members of identified health disparity populations. Eligible candidates will conduct basic, clinical, or behavioral research on a health disparity population (including individual members and communities of such populations), including the causes of health disparities and methods to prevent, diagnose, and treat such disparities; or conduct research on minority health conditions, including research to prevent, diagnose, and treat such conditions
Contraception and Infertility Research: The purpose of the Contraception and Infertility Research LRP is to recruit and retain highly qualified health and/or allied health professionals as contraception and/or infertility investigators. Eligible candidates will engage in research that has the long-range objectives of evaluating, treating, or ameliorating conditions that result in the failure of couples to either conceive or bear young; or research that has the ultimate goal of providing new or improved methods of preventing pregnancy.
Clinical Research for Individuals from Disadvantaged Backgrounds: The purpose of the Clinical Research LRP for Individuals from Disadvantaged Backgrounds is to recruit and retain highly qualified health professionals from disadvantaged backgrounds as clinical investigators. In addition to fulfilling the general eligibility requirements for a NIH loan repayment, candidates for this program must also certify your disadvantaged background status by submitting at least one of the following documents with your application: a written statement from your health professions school(s) indicating that you were qualified for federal disadvantaged assistance during your attendance; documentation that you received Health Professions Student Loans or Loans for Disadvantaged Students; or documentation that you received a scholarship from the U.S. Department of Health and Human Services (HHS) under the Scholarship for Individuals with Exceptional Financial Need. Research requirements are the same as those for the regular Clinical Research program.
You may apply online for any of these programs at www.lrp.nih.gov/apply_here/index.aspx. You may submit only one LRP application to NIH in any fiscal year, even though your research may be appropriate for more than one of the programs. For more information about Loan Repayment Programs and other research opportunities at the National Institutes of Health, visit www.lrp.nih.gov/index.aspx; or contact the LRP Information Center at 866-849-4047, e-mail lrp@nih.gov.
Source: National Institutes of Health, Loan Repayment Programs, www.lrp.nih.gov/index.aspx
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