National Institutes of Health Intramural Loan Repayment Program


To recruit and retain health professionals performing research in fields required by the NIH to carry out its mission by providing educational loan repayment for participants with substantial amounts of educational debt relative to income, who agree by written contract to engage in laboratory or clinical research as employees of the NIH for a minimum period of two years for AIDS or Clinical Research or three years for General Research. There are three subcategories of research: AIDS research, general research, and clinical research for individuals from disadvantaged backgrounds.

General information about this opportunity
Last Known Status
Program Number
Federal Agency/Office
National Institutes of Health, Department of Health and Human Services
Type(s) of Assistance Offered
C - Direct Payments For Specified Use
Program Accomplishments
Fiscal Year 2016 In 2016, there were no awards granted. There were no awards granted in 2016.
Fiscal Year 2017 In 2017, it is projected that no awards will be provided.
Fiscal Year 2018 In 2018, it is projected that two awards will be provided.
Fiscal Year 2019 During FY 2019, there were 1 new and two renewal funded AIDS applications.
Fiscal Year 2020 70 awards (actual)
Fiscal Year 2021 76 awards (actual)
Fiscal Year 2023 75 awards (estimate)
Fiscal Year 2024 75 awards (estimate)
21st Century Cures Act, Title II, Part C, Section 2022, Public Law 114-255, 42 U.S.C. 288-1
Who is eligible to apply/benefit from this assistance?
Applicant Eligibility
Eligible applicants must: (1) Be a citizen, national, or permanent resident of the United States; (2) possess a M.D., Ph.D., D.O., D.D.S., D.M.D., D.V.M., D.P.M., A.D.N., B.S.N., or equivalent degree, or hold the position of Physician Assistant; (3) have qualified educational debt, which results from governmental or commercial loans obtained to support their undergraduate and/or graduate education, in excess of 20 percent of their annual NIH salary on the program eligibility date; (4) be appointed to the NIH Intramural Research Program under any temporary or permanent employment mechanism, so long as the employment has the potential to last the required minimum period; (5) not be under any existing service obligation to Federal, State, or other entities, until such obligation is discharged or unless it is deferred during the period of program service; (6) submit an application to participate in the Intramural Loan Repayment Program; and (7) sign and submit to the NIH Director, at the time of application submission, a contract agreeing to engage in research as an employee of the NIH for a minimum of 2 years (AIDS, Clinical) or 3 years (General).
Beneficiary Eligibility
Not applicable.
Applicants must submit documentation of the following, as appropriate: (1) Copies of loan applications and agreements from government or commercial educational loans which are being submitted for repayment; (2) copies of the standard student budget from each school attended during the period in which the debt was incurred; and (3) other documentation as may be required. This program is excluded from coverage under 2 CFR 200, Subpart E - Cost Principles.
What is the process for applying and being award this assistance?
Pre-Application Procedure
Preapplication coordination is not applicable.
Application Procedure
2 CFR 200, Uniform Administrative Requirements, Cost Principles, and Audit Requirements for Federal Awards applies to this program. Applicants must access and submit the LRP application electronically via the Application Submission System & Interface for Submission Tracking (ASSIST),; seek qualified employment with a sponsoring Institute or Center (IC) of the NIH. Once an application has been submitted, the Loan Repayment Committee reviews it at a regularly scheduled review meeting and a determination of loan repayment recipients is made.
Award Procedure
The NIH Loan Repayment Committee (LRC) will review, rank, and approve or disapprove applications recommended for program participation by each Institute or Center (IC). Applications approved for participation by the LRC will be notified by the Program Director. The NIH Director, or a designee, will sign the LRP contract, provide a copy to the participant, and notice of the approved loan repayment amount.
January 3, 2023 to March 15, 2023 Contact the headquarters or regional location, as appropriate for application deadlines.
Approval/Disapproval Decision Time
From 90 to 120 days. The approximate time for approval/disapproval is 3 months.
From 90 to 120 days. Employees of the NIH who are not approved as a result of this process may ask for reconsideration through the standard appeal procedures available to NIH employees.
From 90 to 120 days. At the conclusion of the initial contract, participants may apply and be considered for subsequent 1-year continuation contracts under the application and approval procedures specified above.
How are proposals selected?
Applicants are approved for participation in the NIH Intramural LRP after the LRC determines that the applicant will conduct qualified research and has qualifying educational debt. LRC approval, in part, is based upon the scientific merit of the research, its priority to the research institutes, and the credentials of the applicant.
How may assistance be used?
To provide repayment of extant educational loans incurred by health professionals engaged, as employees of the NIH, in laboratory or clinical research. Recipients must agree by written contract to engage in such research, initially, for a minimum of 2 or 3 years; individuals who have conflicting service obligations may not participate in this program until those obligations are satisfied or have been deferred during the period of program service. Continuation contracts for 1-year terms are available, dependent upon the level of debt and continued involvement in research that supports the research and institutional needs and the mission of the NIH. Maximum program benefit is $50,000 per year in loan repayments and $23,250 per year in Federal tax reimbursements. Recipients must have qualified educational debt in excess of 20 percent of their annual salary, which is referred to as their "debt threshold."
What are the requirements after being awarded this opportunity?
Not applicable.
Not applicable.
The NIH will maintain applicant records for 3 years after rejection and participant records for 6 years after completion of final service obligation.
Other Assistance Considerations
Formula and Matching Requirements
Statutory formula is not applicable to this assistance listing.

Matching requirements are not applicable to this assistance listing.

MOE requirements are not applicable to this assistance listing.
Length and Time Phasing of Assistance
Assistance is available for a minimum 2-year or 3-year period. One-year renewal awards are available. Payments are made directly to lenders, following each quarter of the participant's satisfactory service, unless otherwise agreed upon by the participant and NIH Director. Method of awarding/releasing assistance: quarterly Method of awarding/releasing assistance: Quarterly.
Who do I contact about this opportunity?
Regional or Local Office
None/Not specified.
Headquarters Office
Patricia A. Cole, PhD
Office of Intramural Training and Education
National Institutes of Health
Building 2, Room 2E18,
2 Center Drive
Bethesda, MD 20892 US
Phone: 3014021283

Matthew R. Lockhart
Division of Loan Repayment
6700B Rockledge Dr, Suite 2300
Bethesda, MD 20817 US
Phone: 2403803062
Website Address
Financial Information
Account Identification
(Direct Payments for Specified Use) FY 22$4,746,643.00; FY 23 est $4,000,000.00; FY 24 est $4,000,000.00; FY 21$6,012,801.00; FY 20$5,266,010.00; - For initial two-year contract periods, loan repayment of 50 percent of education debt up to $100,000. For initial three-year contract periods, loan repayment of 75 percent of education debt up to $150,000. For one-year renewal contracts, loan repayment of 50 percent of education debt up to $50,000.
Range and Average of Financial Assistance
For initial two-year contract periods, loan repayment of 50 percent of education debt up to $100,000. For initial three-year contract periods, loan repayment of 75 percent of education debt up to $150,000. For one-year renewal contracts, loan repayment of 50 percent of education debt up to $50,000.
Regulations, Guidelines and Literature
Pertinent information is contained in 21st Century Cures Act, Title II, Subtitle C, Section 2022, Public Law 114-255, 42 USC 288-1.
Examples of Funded Projects
Not applicable.


Federal Grants Resources