Loan Repayment Program

Eligibility & Apply

Eligibility

You must meet these seven requirements to be eligible for the Loan Repayment Program:

  1. Dates of Service

    Entered active duty from Dec. 1, 1980, through Sept. 30, 1981, OR entered active duty after Sept. 30, 1982.

  2. Nonprior Service Accension

    Be a nonprior service accession.

  3. Diploma

    Enlist with a high school diploma.

  4. Armed Forces Qualification Test

    Have an Armed Forces Qualification Test score of 50 or higher.

  5. Military Occupational Specialty

    Enlist in a military occupational specialty (MOS).

  6. Loan Criteria

    Have a loan that was made, insured or guaranteed under Part B, D or E of the Higher Education Act of 1965.

  7. Loan Dates

    Have a loan after Oct. 1, 1975, AND have a loan before entering active duty.

Apply

Follow these four steps to apply for the Loan Repayment Program:

  1. When you enlist, mark LPR on your Statement of Understanding Army Incentive Enlistment Program Form (DA Form 3286-66).

  2. During your first six months of active duty, complete a Annual Loan Verification Form (DD Form 2475) for every lender that you have eligible student loans with and send them the form.

  3. Each lender must complete Section III of DD Form 2475 and then mail the form to:

    Education Incentives Branch

    PERSCOM, 2461 Eisenhower Ave

    ATTN: TAPC-PDE-EI

    Alexandria, VA 22331-0472

  4. After the Education Incentives Branch processes the form, it will make payments on your loans after you complete each year of service.  


JoeSpeak: Nonprior Service Accession

Your rank can’t have been increased before you began active duty

JoeNote

You cannot enlist if you have defaulted on a federal student loan.

JoeNote

The list of occupations that qualify as an MOS changes quarterly. Army recruiters have current lists.

JoeNote

If you decline LRP, you still are able to receive MGIB benefits.


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