Indian Health Service Educational Loan Repayment


To ensure that the Indian Health Service (IHS) has an adequate supply of trained health professionals for Indian health program facilities by providing for the repayment of educational loans for participants who agree (by written contract) to serve an applicable period of time at a facility IHS has designated as a loan repayment priority site or in a designated specialty at a site with an appropriate position.

General information about this opportunity
Last Known Status
Program Number
Federal Agency/Office
Indian Health Service, Department of Health and Human Services
Type(s) of Assistance Offered
C - Direct Payments For Specified Use
Program Accomplishments
Not applicable.
Indian Health Care Amendments of 1988, Section 108, Public Law 100-713
Who is eligible to apply/benefit from this assistance?
Applicant Eligibility
Eligible individuals must be enrolled: (1) In a course of study or program in an accredited institution, as determined by the Secretary, within any State and be scheduled to complete such course of study in the same year such as individual applies to participate in such program; (2) in an approved graduate training program in a health profession; (3) have a degree in health profession and a license to practice a health profession; (4) be eligible for, or hold, an appointment as a commissioned officer in the Regular or Reserve Corps of the Public Health Service (PHS); (5) be eligible for selection for civilian service in the Regular or Reserve Corps of the PHS; (6) meet the professional standards for civil service employment in the IHS; (7) be employed with an Indian health program funded under Public Law 93-638, Indian Self-Determination, Title V of Public Law 94-437 and its amendments or the Buy Indian Act (25 U.S.C. 47); (8) submit an application to participate in the IHS Loan Repayment Program. The term "State" is defined in Section 331 (i)(4) of the PHS Act.
Beneficiary Eligibility
Health professionals who have Government (Federal, State, local) and commercial unpaid educational loans will benefit from this program.
Applicants must submit documentation of the following, as appropriate: (1) A transcript showing final year of study and full-time status; (2) a copy of a health professions degree; (3) a copy of health professions license; (4) a copy of transcript showing completion of graduate education; and (5) a copy of all loan documentation.
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 should apply online. Once an application is submitted it will be reviewed and the determination of awards will be made based upon merit. Awards will be made on award dates published in the Federal Register.
Award Procedure
Upon determination of who will receive an award, that individual will be notified in writing by the program. The individual will in turn notify the program in writing of his/her acceptance. Awards will be contingent upon the score that an eligible Loan Repayment Program site receives and score is applied to the individual matched to that site. Upon arriving at his/her duty station, participant must submit proof of employment to the IHS Loan Repayment Program Office. Individuals can be matched to an IHS tribal, urban, or buy Indian site by an IHS area recruiter or the equivalent. Applicants needing to match to an IHS priority site should work with an IHS recruiter in the service area of their choice. When an award occurs, the Secretary will sign the contract and the individual will receive final notification of their award and a copy of their signed contract.
Contact the headquarters or regional location, as appropriate for application deadlines
Approval/Disapproval Decision Time
From 60 to 90 days. Contracts are approved or disapproved within 90 days of receipt of applications by the Indian Health Service Loan Repayment Program
Not applicable.
If a program recipient satisfactorily completes his/her initial service and continues to have remaining eligible debt, he/she may extend his/her contract on a single-year basis, provided that funds are available and the participant continues to meet the eligibility requirements of the program. A recipient wishing to extend his/her contract must submit a formal request for extension and sign a new 1-year contract.
How are proposals selected?
The IHS defined "Health Profession" to mean family medicine, internal medicine, pediatrics, geriatric medicine, obstetrics and gynecology, podiatric medicine, nursing, public health nursing, dentistry, psychiatry, osteopathy, optometry, pharmacy, psychology, public health, social work, marriage and family therapy, chiropractic medicine, environmental health and engineering, and allied professions. Other factors that will be employed to determine which applicant is selected for awards include: (a) An applicant's length of current employment in the IHS, tribal or urban program; (b) availability for service earlier than other applicants (first come, first served); and (c) date the completed application was received. Not all health professions receive funding. Please contact the program for more information.
How may assistance be used?
This program will provide repayment of loans incurred for health professions educational expenses in exchange for service in a designated loan repayment priority site. Recipients must agree by written contract to serve an applicable period of time in such a site; individuals who have conflicting service obligations may not participate in this program until those obligations are satisfied. The minimum period of participation is 2 years. Maximum payment to a program participant is $20,000 per year and an additional 20 percent of the award amount for tax liability.
What are the requirements after being awarded this opportunity?
Not applicable.
Not applicable.
The IHS will maintain records of unsuccessful applicants for 3 years after they applied. The IHS will maintain records of participants for 3 years after they complete their 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
Payments will be made to the individuals of the program on an annual basis. Payments will be made to the individuals of the program on an annual basis.
Who do I contact about this opportunity?
Regional or Local Office
Program Contact: Ms. Jackie Santiago, Chief, Loan Repayment Program, Indian Health Service, 5600 Fishers Lane, Mail Stop: 11E53A, Rockville, MD 20857. Telephone: (301) 443-3396. Grants Management Contact: MS. Marsha Brookins, Director, Division of Grants Management, Indian Health Service, 5600 Fishers Lane, Mail Stop: 09E70, Rockville, MD 20857. Telephone: (301) 443-4750.
Headquarters Office
Division of Grants Management
5600 Fishers Lane, Mail Stop: 09E70
Rockville, MD 20857 US
Phone: (301) 443-5204
Website Address
Financial Information
Account Identification
(Direct Payments for Specified Use) FY 22$38,666,039.00; FY 23 est $42,000,000.00; FY 24 est $46,000,000.00; FY 21$38,302,453.00; FY 20$35,868,615.00; FY 19$37,293,256.00; FY 18$32,345,049.00; FY 17$30,041,035.00; FY 16$29,440,583.00; -
Range and Average of Financial Assistance
$3,000 to $51,672 for a 2-year obligation; For fiscal year 2019 the average award was $45,105.
Regulations, Guidelines and Literature
Authorization is contained in Public Law 100-713, as amended by Public Law 102-573; Indian Health Service Educational Loan Repayment Program Information Bulletin; Notice of Availability of Funds, LRP website at
Examples of Funded Projects
Not applicable.


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