Navy Student Loan Repayment Program


Contact Information:
Navy Recruiting Command
Attn: LRP
5722 Integrity Drive, Bldg. 784
Millington, Tenn. 38054



ATTENTION: Participants who came on after duty after October 1, 2014 are NO LONGER REQUIRED to send Annual DD Form 2475s annually to this office. This form will now only be required if your lenders or accounts have changed, or if asked by the Loan Repayment Program manager to verify your loan’s existing balances. However, these forms are still required upon initial entry into the program.


Changes to the Navy Loan Repayment Program:

In April 2017, the following summary of changes were made to the Navy Loan Repayment Program in order to improve customer service, reduce administrative distractions, save money, and streamline the payment process for members who are offered the incentive.


Participants who entered in active duty status after October 1, 2014 are no longer required to send the Annual DD Form 2475 to this office.


Future payments for these members will be processed in the following manner.


If you entered active duty after October 1, 2014, future payments to your lenders will be placed in queue for payment in your anniversary month of your active duty service date and will continue to be paid yearly until:


1. Your originally approved incentive has been paid in full or,
2. Your rating (and subsequent enlistment guarantee) has changed from your original contracted rating or,
3. You’ve been discharged from the Navy.


As long as your lenders and/or account numbers have not changed since you entered the program, your payments will be made to your lenders based on the 1/3 amount of your originally approved incentive amount, without any further action required from you.


The exception to this rule is if previous payments have been missed, we'll send all back payments to your lenders.


For example, someone who hasn't received their incentive payments in October 2015 and October 2016 will receive all 3 payments in October 2017.


REMEMBER: It is critically important to update this office of any changes to your accounts, including your email address for correspondence; else your payments will be made but will not make it to your correct lenders.


If you need to send updated DD 2475s to this office, you can do so by the following two methods:


1. To send documents quickly and securely, please scan, upload, and use Safe Access File Exchange ( Send to the email address


2. You can also mail documentation to:


Navy Recruiting Command
Attn: LRP (Code N321)
5722 Integrity Drive, Bldg. 784
Millington, Tenn. 38054



Again, this change is for members who entered the program and who came on Active Duty after October 1, 2014. Members who came into the program prior to this date are still required to send a DD Form 2475 so that we can validate existing balances prior to making payments to your lenders since it has been more than three years since your account verification.


However, these forms are still required upon initial entry and may be required for verification by the LRP manager if a significant time has passed since last verification. That said, program participants who entered the service prior to October 1, 2014 are still required to send the Annual DD Form 2475 for loan balance verification


Navy Loan Repayment Documents:

Annual Application for Loan Repayment (DD FORM 2475) [pdf]
Forebearance Request Form for Department of Defense Military Personnel


Sending Documentation:
For program participants, send all LRP related documents securely by encrypting the document from an official military email address. In the rare chance that you do not have access to an official military email address, you can use Safe Access File Exchange ( to send documentation.


Ensure all attachments are in PDF format.



Navy Student Loan Repayment Program Help

The Loan Repayment Program is one of several Navy enlistment education incentive programs designed to pay federally guaranteed student loans (up to $65,000) through three annual payments during a Sailor's first three years of service.


This program is currently only available to eligible personnel in the delayed entry program who will enlist as active duty Sailors. Eligible ratings are announced via message and can be found on the Enlistment Bonus and Loan Repayment Program Messages page.


These loan repayments are subject to federal and state taxes.


How does a Future Sailor enroll in the Loan Repayment Program (LRP)?

Future Sailors, if their rating is eligible, will be given the option to enroll at the MEPS.


What documentation is required?

The MEPS classifier or Navy Recruiter is responsible for submitting seven legible, completed documents to the Navy Loan Repayment Manager via the NRC Sharepoint FOUO site.


Classifiers are responsible for sending the following documents:

1. A copy of the Loan Repayment Program Worksheet.

2. A copy of the Enlistment Guarantee (NAVCRUIT 1133/52) with LRP listed as a guarantee.

3.  A copy of the Statement of Understanding (NAVCRUIT 1133/75).


4. A copy of the Future Sailor’s National Student Loan Data System (NSLDS) print out, which can be obtained from the following website: At the bottom of the webpage it gives you a link to request a pin. It is usually the same pin you used to submit your FAFSA paperwork. If you have never had a pin, it will take a few days to get one. If you had a pin in the past they will reset it immediately.


Send the summary print out (or screen shot), not the download file.


5. A copy of the PRIDE system LRP text file, printed out and signed by both recruit and classifier.

6. A copy of the DD Form 2475, Annual Application for Student Loan Repayment, filled out by the lender for each loan.

7. A copy of the lender's promissory note for each Parent PLUS loan, which clearly shows and distinguishes the members as the undergraduate dependent on the loan.



How do I fill out DD Form 2475?
***The DD FORM 2475 has four sections.

Section 1 is to be filled out by the recruit and signed by the command representative/recruiter in block 1 (b) (2).


The Future Sailor's recruiting station address should be put in block 1 (a). Lenders are not required to complete the form if Section 1 is blank.

Section 2 is to be completed by the Future Sailor, ensuring all information is accurate and legible. Any errors may delay processing or payment. If there are any questions, please call the lender to ensure accuracy.

Sections 3 and 4 are filled out by the lender. Some lenders will only sign and date Section 3 of the DD Form 2475 and attach a spreadsheet or their own form with the outstanding loan information. This is acceptable and will be used to determine the amount you will be authorized. DO NOT fill in Section 3 with the information from the spreadsheet or additional form supplied by the lender. Leave Section 3 blank if that is the way the lender returned it to you. The lender will return the form to the address listed in Part 1, block 1 (a).

 How much time does an applicant have to submit an LRP package?

All packages should be submitted within 60 days of entering into the Delayed Entry Program (DEP).

Which loans qualify for repayment under the Loan Repayment Program?

Loans which qualify for the LRP include those which are made, insured, or guaranteed under Part B (Federal Family Education Loan Program); Part D (William D. Ford Direct Loan Program); or Part E (Federal Perkins Loans) of the Higher Education Act of 1965. The loans also must have been acquired prior to entry on active duty. The types of loans that qualify for the LRP are:

Federal Subsidized or Unsubsidized Stafford Loans

Federal Direct Student Loans or Perkins Loans

Federal Direct Consolidated Loans (only loans incurred for the use of the individual contracting for the LRP)

Federal Direct Parent Loans for Undergraduate Students (PLUS) loans incurred for the use of the individual contracting for LRP


If you are unsure about the loan type or name, please contact your lender for clarification on loan eligibility.


What if I do not know where my loans are or who the current loan holder is?
The U.S. Department of Education can help you track your student loans as well as obtain copies of your promissory notes. You can reach them at 1-800-433-3243 or go to


How much will be repaid on my student loans?
Under LRP, the Navy will repay 1/3rd of the approved LRP incentive amount or $1,500 (whichever is greater) on the Sailor's 1st, 2nd, and 3rd anniversary of their active duty service date. The total amount paid will be based on the amount approved during the application process minus applicable federal and state taxes.
What is a loan deferment or forbearance and how do I obtain one?
In some cases, a student loan deferment will stop interest from accruing (which the Navy will not repay under LRP).


Forbearance will stop payments from coming due on a student loan; however interest will continue to accrue.


It is, however, the borrower's responsibility to promptly contact the loan holder and apprise the agency of one's active duty status and officially initiate the request for forbearance.


The Navy never assumes the responsibility of your loan. The individual remains responsible for payment and the status of the loan.

The Forbearance Form can be found in the Navy Loan Repayment Documents section above.

How does a Sailor receive annual payments to their lender(s)?

Annual payments are made to a member’s lenders on the 1st, 2nd, and 3rd year mark of a Sailor's enlistment onto active duty.


Are payments considered taxable income?

Yes. Payments made under the LRP are considered by the IRS as taxable income in the year they are paid.


Approximately 25-33% of the LRP payment will be withheld for taxes, 25% of which is withheld for federal taxes and up to 8% is you are subject to State taxes.

For example, $2,500 will be withheld from a $10,000 payment. Potentially you may get this money back from the IRS and make an additional payment on your student loans.
Will the Navy pay off all of my student loan?

The NAVY will only repay up to $65,000 based on your approved incentive at the time of your accession. This amount is subject to Federal and State taxes, if applicable. This means that even if you were approved for $65,000 your lenders may only see a total of $50,050, if 33% of your payments are subject to Federal and State taxes. So, it is very common to have a remaining balance after all of your incentive payments have been made by the Navy.


How does the LRP Program affect my GI Bill?
To be eligible for LRP and 100% benefits under the Montgomery GI Bill (Chapter 30), you must reenlist and serve an additional three years under the new enlistment. To be eligible for LRP and 100% benefits under the Post 9/11 GI Bill (Chapter 33), you must serve a minimum of six years either through extension or reenlistment. You can contact the VA Rep at PERS 314 for more information regarding your benefits at 901-874-4258.


How do I contact the Loan Repayment Program Manager?
The Loan Repayment Program Manager at Navy Recruiting Command (NRC) is responsible for administering the LRP and answering any questions on LRP policy and procedures.


Contact the LRP manager at:


Navy Recruiting Command
Attn: LRP
5722 Integrity Drive, Bldg. 784
Millington, Tenn. 38054


Please send all LRP related emails securely to To send documents securely, send encrypted from a military email exchange service (i.e.,, etc.) or use Safe Access File Exchange (


Ensure all attachments are in PDF format to reduce file sizes. When submitting your annual DD2475s, ensure that you submit all of them. We do not issue partial payments.

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This is an official U.S. Navy website - Registered with NIOC Norfolk, Va.

Navy Recruiting Command - 5722 Integrity Drive, Bldg. 784 - Millington, Tenn. 38054.

Updated March 1, 2017 (kbh)