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Eligibility of Loans

Home > Eligibility > Eligibility of Loans

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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.

Qualified Educational Debt


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
  • Academic institution
  • 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). The lender must be subject to examination and supervision in its 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.
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.

Loans Not Qualifying for Repayment

The following loans are not eligible for repayment through the LRPs:
  1. Loans not obtained from a U.S. government (federal, state, or local) entity, U.S. academic institution, or commercial or other chartered U.S. lending institution, including loans from friends, relatives, or other individuals, and non-educational loans such as home equity loans.
  2. Loans that have been consolidated with loans of other individuals, such as a spouse or child. More information is available on the Loan Consolidation page.
  3. Loans for which contemporaneous documentation (current account statement and promissory note or lender disclosure statement) is not available.
  4. 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, and are not determined by the LRP to be reasonable based on additional contemporaneous documentation provided by the applicant.
  5. Loans, financial debts, or service obligations incurred under the following programs (or other programs where an incurred service obligation converts to a loan upon failure to satisfy the service obligation):
    • Armed Forces (Army, Navy, or Air Force) Health Professions Scholarship Program
    • Indian Health Service (IHS) Scholarship Program
    • National Institutes of Health Undergraduate Scholarship Program (UGSP)
    • National Research Service Award (NRSA) Program
    • Nurse Faculty Loan Program
    • Physicians Shortage Area Scholarship Program (federal or state)
    • Primary Care Loan (PCL) Program
    • Public Health Service (PHS) and National Health Service Corps (NHSC) Scholarship Program
  6. Loans that are delinquent, in default, or not current in their repayment schedule. Late fees, penalty fees, additional interest charges or collections costs will not be repaid by the LRP.
  7. PLUS Loans to parents. PLUS Loans disbursed to graduate and professional students on or after July 1, 2006, do qualify for repayment.
  8. Loans that have been paid in full.
  9. Loans obtained after the execution of the initial NIH Loan Repayment Program Contract (e.g., promissory note signed after the LRP contract start date).

Additional Information

Additional information about loan eligibility can be found in the LRP Applicant Information Bulletin: Loan Information.

For detailed program and policy guidance, see the Notices for NIH Extramural Loan Repayment Programs (LRPs).

Date Last Updated: July 9, 2015

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