Hey, I applied to the NELRP for 2009 year, and must say with the looks of the 2008 applications, the debt-to-income ratio was between 140-250% for those commenting on this forum that also got accepted. I read that there is a calculation on the HRSA website for the debt to income ratio but I cannot find it. Anyone know where it is? Also, I am in debt 6 figures. However only half of that qualifies because the other half is private loans/perkins. I suppose the good thing is that OBAMA is giving the NELRP a lot more money so hopefully our chances are better. If anyone knows where that debt to income calculator specifically for HRSA let me know!!