The General Research Loan Repayment Program aims to strengthen research in health and provide health related benefits to the American Society.

There are a variety of government loans provided to citizens to support various activities related to human endeavor. The general research repayment scheme under educational loans is only one of many such that cover agriculture, business, industrial activities with respect to the welfare of rural communities, disaster relief, education, housing, and programs helping the veterans where the federal government gives loans to help people involved in the above fields to sustain their activities.

There are fifteen types of educational loans that are awarded directly as loans and also as students' loan repayments. Direct loans are under the titles

-Supporting 2 and 4 year college courses for awarding federal, state and college funded loans

-Stafford loans for students wherein the Federal Government subsidizes the loans obtained from private financial institutions

-US Department of Education's Plus loans and Federal Agencies distributed Plus Loans

-Federal Perkins Loan Program

-Education Consolidation

The repayment programs refer to

-General Research Repayment Program

-Extramural Clinical Research

-Health Disparities Research Repayment program

-Indian Health Service Repayment program

-Nursing Education Repayment

-Pediatric Research Repayment program

-AIDS Research

-Clinical Research

-Clinical Research for Individuals from Disadvantaged Backgrounds

-Contraception and Infertility Research

The general research repayment program is managed by the National Institutes of Health. NIH in order to recruit and retain highly qualified health professionals for carrying out its mission undertakes to bear the substantial education loan burden of the participants on the condition that the participants execute a contract to undertake laboratory and clinical research both extramural and intramural for a minimum period of 3 years. The participants can receive a maximum of $35000 annually in loan repayment and a maximum of $13650 per year as federal tax reimbursements depending on a case-by-case assessment and budget limitations.

More than one loan repayment is possible subject to the annual and lifetime limits. Loans qualifying for the LRPs are Federal Stafford, Federal Plus, Federal Consolidation, Defense National Direct Student, Federal Perkins Loan, Nursing Students, Health Professions' Students and Health Education Assistance. In case of misconduct and performance failures or if the participants fail to complete the three year term, they are required to refund the entire loan repaid by NIH.

Government Loans in general and education loans in particular are highly commendable people welfare initiatives.

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