Loan Repayment Programs

NIH Loan Repayment Programs help M.D.s and some other doctoral-level professionals pursue research careers by repaying qualifying educational debt.

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General Information

  • Application window begins September 1 and ends November 18.
  • Center for Scientific Review assigns applications to Institutes.
  • Applications are peer reviewed and assigned overall impact scores based on the following criteria:
    • Applicant's potential to pursue a career in his or her research area.
    • Quality of applicant's research environment.
    • For renewals only, applicant's progress under the previous project period.
  • NIAID reviews its applications in May and selects awardees in June or July.
  • NIH's Division of Loan Repayment makes awards by August. It also does the following:
    • Verifies eligible debt, exact amount of loans, applicants' salaries, and other financial information.
    • Keeps track of changes of institution, mentor, or area of research.
    • Reviews and approves requests for extended leave or absence.
  • Awardees can receive up to $50,000 a year plus 39 percent of the loan repayment amount to offset federal taxes. For more details, go to Taxes in the Award section of NIH's Division of Loan Repayment website.

Loan Repayment Programs (LRPs)

NIAID supports the following programs:

Clinical LRP
Pediatric LRP
  • Applicants must conduct either basic or clinical research with a direct pediatric relevance.
  • You can apply even if you aren't a current NIH grantee.
  • Most recipients are M.D.s. Some are Ph.D.s and D.V.M.s working in pediatric research.
  • Read more at NIH's Pediatric Research LRP and the July 1, 2021 Guide notice.
Health Disparities LRP
  • Applicants must conduct basic, clinical, social, or behavioral research on health disparity populations that relates to health disparities, including the causes of and methods to prevent, diagnose, and treat such disparities.
  • You can apply even if you aren't a current NIH grantee.
  • Most recipients are M.D.s. Some are Ph.D.s.
  • Read more at NIH's Health Disparities LRP and the July 1, 2021 Guide notice.
Research in Emerging Areas Critical to Human Health (REACH) LRP
  • Applicants must pursue major opportunities or gaps in emerging high-priority research areas that fall within NIAID’s mission areas and do not meet eligibility criteria for the Clinical, Pediatric, or Health Disparities LRPs.
  • You can apply even if you aren't a current NIH grantee.
  • Recipients must have an advanced degree from an accredited institution.
  • Read more at NIH's REACH LRP and the July 1, 2021 Guide notice.

Related Links


For more information on NIAID participation in loan repayment programs, contact Raushanah Newman.

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