U.S. Department of Health and Human Services
Indian Health Service: The Federal Health Program for American Indians and Alaska Natives
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Apply Here for Financial Freedom - LRP IHS Loan Repayment Program

Payments and Examples

LRP participants receive loan repayment for qualified student loans in addition to their salary. New LRP participants who are current Indian health system employees will begin receiving LRP payments within 120 days from the date the Secretary's delegate signs their contract. New LRP participants who are not current employees at an Indian health system facility will begin receiving their payments 120 days from their first day of work at their assigned site.

The following charts provide examples of IHS LRP payments for three different loan repayment scenarios. Each example is based on a one-year payment.

An LRP participant with a two-year service contract and $90,000 in qualified education loans.
LRP Award (per year) Federal Tax Payments Made by IHS Federal Insurance Contribution Act (FICA) Payments Made by IHS Total Payments Made by IHS
$20,000 $4,000 $3,672 $27,672


An LRP participant with a two-year service contract and $30,000 in qualified education loans.

If the participant's total loan amount can be paid within the two-year service commitment or is less than $40,000, the amount will be divided in half and awarded over two years.
LRP Award (per year) Federal Tax Payments Made by IHS Federal Insurance Contribution Act (FICA) Payments Made by IHS Total Payments Made by IHS
$15,000 $3,000 $2,754 $20,754


An LRP participant with a consolidated education loan.

In this example, a participant has obtained a professional degree in nursing and nutrition and comes to work at an Indian health facility as a registered nurse. Only the loans obtained in pursuit of the nursing education ($36,000) are eligible for repayment, while those obtained for the nutrition training are not.
LRP Award (per year) Federal Tax Payments Made by IHS Federal Insurance Contribution Act (FICA) Payments Made by IHS Total Payments Made by IHS
$18,000 $3,600 $3,304.80 $24,904.80