[Out Of Reach
Amancio Mccrae
REACH is a 501c3 non-profit organization dedicated to ensuring that the most effective, scientifically proven mental health care reaches all children and families. REACH provides thousands of primary care providers, therapists, and health care institutions with training in the best evidence-based therapies in order to better diagnose, treat and manage child and adult mental health issues.
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See Extramural Loan Repayment Program for Research in Emerging Areas Critical to Human Health (LRP-REACH) guide notice in the NIH Guide for Grants and Contracts for program and policy guidance.
Past program announcements for the Extramural LRP, including the Privacy Act notice, are available for reference.
Emerging areas are considered new areas of biomedical and biobehavioral research that are ripe for targeted investments that can have a transformative relevance and impact for years to come. Each NIH Institute and Center will determine which emerging areas of research fit with their research priorities. Review the REACH Priority Statements list for information on each IC-specified area that is considered to be an emerging and/or a gap area.
Select applicants will be notified on a rolling basis by email to provide updated payoff quotes for all loans listed in the LRP Portal. Applicants must submit a screenshot or printout of the account statement to DLR. To complete Financial Review, the document(s) must contain the following information:
Qualified lenders: Any U.S. government (Federal, State, or local) entity, accredited U.S. academic institution, and/or U.S. commercial educational lender that is subject to examination and supervision in their capacity as a lending institution by an agency of the United States or of the State in which the lender has its principal place of business.
Unqualified lenders: Entities that are not U.S. government (Federal, State, or local), U.S. academic, or U.S. commercial educational lenders. Loans from friends, relatives, or other individuals are also not qualified.
Existing principal and capitalized interest on eligible loans and related expenses, such as the required insurance premiums on the unpaid balances of some loans, from qualifying lenders are also eligible for repayment.
A new LRP award is a two-year contract that starts on July 1 in the year after the application deadline. Awardees are expected to meet the terms and conditions of the LRP award for the entire contract period.Applicants must conduct two years of qualified research for the duration of an LRP award, and an authorized official (Institutional Business Official) at the applicant's institution must certify that there will be paid, protected research time for the applicant to devote to these activities during the two year award.Qualified research is not retroactive. Any research performed prior to the start date of an LRP award will not count toward the service obligation required by the award.
It is the responsibility of award recipients to notify LRP immediately if there is a pending change in employment. LRP awardees must submit a Change of Institution (COI) application to be considered for continuation in the Program. A COI applicant must meet all LRP eligibility criteria, and COI requests are subject to final approval by the NIH Institute or Center that funded the LRP award. Approval of COIs is not guaranteed.
Family leave can include maternity, paternity, parental, and adoption leaves. Paid family leave may be used during an LRP award. Any unpaid leave, even if covered under the Family Medical Leave Act (FMLA), may result in a reduced quarterly payment. Awardees must make payments to lenders on their own behalf for periods of Leave Without Pay (LWOP).
Failure to complete the terms of an LRP contract, including the research service requirement, is considered a breach of contract. The penalty for breaching the LRP contract is $7,500 for each month the contract terms are not met, with the minimum penalty set at $31,000. Please read the LRP contract in its entirety before applying to the LRP.
The repayment amounts shown here are non-binding estimates based on the information entered. If an applicant receives an LRP award, the total award will be calculated by NIH and may be different than the values shown in this calculator.
If an applicant or awardee wishes to consolidate loans, the applicant/awardee should inform DLR as soon as possible by emailing l...@nih.gov. Only loans listed in the LRP portfolio may be included in the consolidation for the loan to remain eligible for loan repayment. This includes ensuring that a consolidation loan does not include loans that are ineligible for the LRP, such as:
California green building codes are updated every three years. Local governments may adopt requirements that "reach" above and beyond State minimum green building and energy codes. Below are for policy maker, building official, and community member access to engagement and learning resources as well as policy development and code enforcement documents for download.
Out of Reach 2023 shows that housing is out of reach for workers across a range of occupations and wage levels. Sixty percent of all workers earn an hourly wage that is less than the two-bedroom Housing Wage, and nearly 50% of workers earn an hourly wage that is less than the one-bedroom Housing Wage. Thirteen of the 20 most common occupations in the U.S. pay median wages that are lower than the two-bedroom Housing Wage, and 10 of these occupations, which account for more than one-third of the workforce, pay median wages that are lower than the national one-bedroom Housing Wage. The problem is acute and widespread for the lowest-wage workers. In no state, metropolitan area, or county can a full-time minimum-wage worker afford a modest two-bedroom rental home. A full-time minimum-wage worker cannot afford a modest one-bedroom rental home in more than 92% of U.S. counties.
The gap between wages and housing costs is largest for people of color, and particularly women of color, according to the report. The disparities are the result of decades of racist housing policies that have led to people of color facing disproportionate challenges accessing decent and affordable homes. Nationally, the median wage of a full-time white worker is $2.23 higher than the one-bedroom Housing Wage, but the median wage of a full-time Black and Latino worker is approximately $.73 and $1.84 less than the one-bedroom Housing Wage, respectively. The disparities grow even starker for women of color. Black and Latina female workers earn median wages that are $3.96 and $5.47 less, respectively, than the one-bedroom Housing Wage.
As low-income renters face high rents and increasing housing instability without the supports provided by pandemic-era benefit programs, safe, stable, and affordable housing remains out of reach. Congress must address the extraordinary challenges that low-income renters face in finding and maintaining decent, accessible, and affordable housing. Addressing the roots of the housing affordability problem requires: a sustained commitment to investing in new affordable housing; preserving affordable rental homes that already exist; bridging the gap between incomes and rent through universal rental assistance; providing emergency assistance to stabilize renters when they experience financial shocks; and establishing strong renter protections.
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