The Loan Repayment Program (LRP) provides student loan repayment to attract recruits into critical Navy ratings. It started in 1999 and messages about eligible ratings are posted 2 weeks before the effective date. To qualify, recruits must have a high school diploma, AFQT score of 50 or higher, and enlist in an eligible rating. The LRP pays a portion of qualifying student loans and affects GI Bill eligibility, with the first 3 years of service counting for LRP and the next 3 potentially qualifying for GI Bill benefits. In FY12, 214 packages were submitted, 71 BCNRs processed, and $10.5M paid out in repayments. The document provides contacts and policies for more information.

1. LRP
Loan Repayment Program
Patty Romano
N321
CNRC

2. LRP HISTORY
 Started in 1999 as an enlistment incentive designed to
attract high quality recruits into critical, hard to fill ratings
 New messages are posted to the website approx. 2 weeks
prior to effective date to allow recruiter’s the opportunity to
review new eligible ratings
 The message in effect for a Sailor is determined by the
date the Sailor enters DEP

3. REQUIREMENTS
Minimum requirements include:
Non Prior Service
High School Diploma Graduate (HSDG) (Tier 1)
AFQT 50 or higher
Qualify and enlist in a rating that is listed on most
current message found on CNRC website
 Qualifying Loans:
Loan must be for the service member
Must qualify under Part B, D, or E of Title IV or PLUS
Must have been before applicant's Active Duty Service
Date (ADSD)
**Combinations of EB and LRP are prohibited.

4. CHALLENGES
 BCNRs to add/remove LRP
 Member’s need to put loans in forbearance/deferment
 Command reps/PSDs unfamiliar with program and unsure
about signing section 1 of DD FORM 2475
 Sailor’s in LRP are getting mixed information about LRP
and the Montgomery GI Bill or Post 9/11 GI Bill
 Sailor’s unaware federal and state taxes are deducted
 Sailor’s are not getting W-2s from their Personnel Dept

5. LRP AND THE “GI” BILL
LRP directly affects the Post 9/11 GI Bill and Montgomery
GI Bill. Both bills require a minimum of 6 years service to
receive 100% benefits.
Post 9/11 GI Bill:
 Member’s 1st 3 years count for LRP and the next 3
years will count towards GI benefits. They do not have to
reenlist.
 Montgomery GI Bill:
 Member must reenlist and serve 2 years on that
contract to receive full GI benefits.

6. FACTS
Packages submitted for FY12: 214
BCNRs since Jan 2012: 71
 Payments for FY12: $10.5M

7. POC INFO
LRP website: http://www.cnrc.navy.mil/EIncentives/Loan-
repay-FAQ.htm
LRP email address: cnrc_lrp-eb@navy.mil
 My email: patricia.romano@navy.mil
 Phone: 901-874-9283/877-747-7657
 LRP Policy: COMNAVCRUITCOM 1130.8J, Vol IV, Ch 3,
Sec 4 (beginning at 030401)