Law School Public Interest Programs - Loan Repayment Assistance Programs (LRAP)
Albany Law School has always been committed to making rewarding public interest careers move viable to its graduates. To further this commitment, the Loan Repayment Assistance Program (LRAP) was launched in December 2004. This program is designed to help alleviate the financial burden of educational loan repayment upon students who wish to pursue careers in public interest law, as well as city, county and state attorney's offices, and agencies operated by a city, county or state.
For a loan assistance description see http://www.wcl.american.edu/finaid/pilrap.cfm
The Boston College Law School Loan Repayment Assistance Program (LRAP) supports recent BC Law graduates in law-related public interest careers by assisting them in the repayment of their educational debt. In recent years, annual awards ranged from $500 to $7,000. In order to be considered for the LRAP Program, first-time applicants must have graduated from Boston College Law School within the past five years and be employed on a full-time basis in a public interest job earning $57,500 or less. Applicants remain eligible in subsequent years until their earnings reach $65,000. In 2009, the law school awarded over $269, 000 to the 74 qualifying applicants.
Under the terms of the current grant program, which has been approved by our faculty, graduates are eligible to apply for grants for up to 10 years after graduation, though preference is given to more recent graduates. Applicants apply to the Loan Repayment Assistance Program, coordinated by the School's Financial Aid Office, and a committee considers several criteria, including the ratio of salary to aggregate debt, year of graduation, spousal income and educational loans (if any), dependent responsibility and any special circumstances affecting the applicant's ability to repay outstanding debt.
BYU administers an interest forgiveness/deferral program for students who experience financial hardship. This program applies only to loans made from the law school and not to federal loans.
Brooklyn Law School’s LRAP provides up to $7,000 per year for up to five years to qualified graduates. Recipients must meet certain criteria including a minimum debt, income limitations, and employment at a non-profit employer. Details of the LRAP program can be found at http://www.brooklaw.edu/financialaid/lrap.php. In addition, the School’s Financial Aid and Public Service Programs Offices help students to identify other post graduate funding including private resources as well as funding from city, state and federal sources. Finally, students are educated about and provided assistance to negotiate the College Cost Reduction and Access Act.
California Western School of Law has a Loan Repayment Assistance Program (LRAP). This competitive program offers the opportunity for some degree of loan repayment assistance to select graduates of the Juris Doctor program at California Western School of Law who work in specific public interest settings.
Specifically, to be eligible to apply for loan repayment assistance, a graduate must satisfy all of the following:
- Graduation Year: Graduates are eligible for loan repayment assistance for the four years immediately following their graduation from the J.D. program.
- Type of Employment: Graduates are eligible for loan repayment assistance if they are employed or to be employed:
1. full time;
2. in a law or law related position; and
3. by a legal aid, legal services or other nonprofit advocacy or policy organization qualifying for tax exemption under section 501(c)(3) or 501(c)(4) of the Internal Revenue Code.
- Minimum Debt Requirement: Graduates with more than $50,000 in certified law school debt are eligible to apply for loan repayment assistance.
Campbell Law Graduates have been recipients of loan repayment assistance through the North Carolina Legal Education Assistance Foundation. (NC LEAF). For eligibility guidelines, see www.ncleaf.org.
The Capital University Law School Loan Repayment Assistance Program (LRAP) Fund was established in 2004-05. This fund provides loan repayment assistance to graduates who select public interest career opportunities upon graduation.
Awards of $1,200 per year (in four $300 installments) are available to graduates of the Law School. LRAP funding is finite. There is no guarantee that every eligible applicant will be funded in a given year.In order to apply for possible assistance from the Law School LRAP, applicants must:
- Be a graduate of Capital University Law School's Juris Doctor program;
- Be a licensed attorney in good standing;
- Be employed full-time in a law-related capacity (not limited to the practice of law in the strictest sense, but substantially utilizing the legal training and skills of the law school graduate);
- By a non-profit tax exempt organization under IRS Code 501(c)(3); or
- In government law-related jobs at the local, state or federal level;
- Have a salary of $45,000 or less;
- Have an outstanding law student loan balance and must not be delinquent or in default on any educational loans; and
- Submit an LRAP application and all required documents each year.
The school also offers a Loan Repayment Assistance Program (LRAP) to graduates who accept employment in the public interest.
Loan repayment assistance may be available for applicants who earn less than $75,000 per year. Repayment assistance will take into consideration the calculated payment using the Income-Based Repayment (IBR) option, and will not exceed an amount equal to 50% of the calculated IBR payment amount. The Office of Financial Aid will announce to graduating students, via email and other media, the availability of LRAP funds in the spring of each year that funds are available. The same announcement will provide application instructions.
The Charleston School of Law Foundation provides Student Loan Repayment Assistance Grants. Any Charleston School of Law graduate who has been engaged in continuous public service employment for at least six months, has an outstanding student loan, and has been out of school for less than five years is eligible to apply. Public service is defined as "service that is performed for the benefit of the public, its institutions or its people, and rendered in the public interest for the greater good of society." The Foundation will consider the applicant's financial need and the impact of the applicant's public service employment on the community. Grant awards will not exceed $2,500.00. Except in extraordinary circumstances, the Foundation will make awards on a one-time, non-recurring basis. The provision of grants is at all times subject to the availability of funds.
Law School tuition for in-state residents and out of state residents is highly affordable and as a result, there is only a limited LRAP program that has in past years provided assistance to 2-5 recent graduates who are in public interest positions.
The Loan Repayment Assistance Program provides financial assistance to Columbia JD graduates in the form of loans from the Law School. The amounts of the LRAP loans are determined by a) the level of educational indebtedness, b) the number of years a graduate spends in qualifying employment, and c) the adjusted gross income of the graduate. There is no salary cap. Loans from LRAP are not repayable so long as the graduate remains in qualifying employment. LRAP assumes a standard ten-year repayment schedule for education loan programs and covers the graduate in qualifying employment for that period of time.
Effective July 1, 2000, graduates are expected to contribute a portion of their adjusted gross income to their annual educational loan repayment obligations. Indebtedness included in calculations for benefits is formal debt the graduate incurred for payment of educational expenses up to the standard student budget at Columbia Law School--that is, loans for law school expenses under institutionally approved and certified loan programs. Income to be included for purposes of the LRAP benefits calculation includes adjusted gross income as determined by the federal tax form, plus any untaxed income and voluntary retirement contributions. In the case of married graduates from the class of 1995 and following, the income figure used for calculations will be either the graduate's income or one-half of the joint income, whichever is higher. For participants from classes of 1996 and following, undergraduate debt payments will be subtracted from the participant's adjusted gross income before calculating the amount the graduate is expected to contribute to debt repayment.
Loans granted to graduates under the LRAP are not repayable so long as the graduate remains in qualifying employment and submits an application each year, even if the salary level rises to the point at which new benefits are no longer received. LRAP loans not yet forgiven become repayable when the graduate leaves qualifying employment. The maximum repayment term is ten years, except for loans made to judicial clerks who do not enter public interest employment upon finishing their clerkships. Their repayment is accelerated.
For any graduate who participates in the LRAP for three years or less, all funds advanced for loan repayment assistance are repayable. After three years of qualifying employment, LRAP loans are forgiven in yearly increments. Loans are totally forgiven after ten years.
Public Service Fellowships
These Fellowships are designed to supplement the benefits of LRAP and can cover as much as 100% of eligible deb servicee for loans borrowed up to the cost of Law School tuition for Fellows whose annual income does not exceed $100,000. Spouse income is not considered in calculating a Fellow's annual income. If the Fellow remains in qualifying employment for three years, all Fellowship loans are forgiven. Fellowship loans made thereafter are forgiven at six month intervals as long as the Fellow remains in qualifying employment.
For additional, see also www.law.columbia.edu/current_student/financial_aid/LRAP
Cornell's Public Interest Low Income Protection Plan provides generous grants to graduates who work in public interest and government jobs. These grants are used to assist with student loan payments.
The Law School offers the Robert J. Kutak Loan Repayment Assistance Program, made possible by donations from generous alumni of the Law School. The program is intended to ease the financial burden of recent Law School graduates who are employed in public interest law positions and have accumulated significant debt from educational loans. Completed applications are typically due June 1 of every year and more information can be found at http://www.creighton.edu/law/careers/resourcesforalumni/loanrepaymentassistanceprogram/index.php.
The LRAP is now in its fifth year. There are ten 2010 LRAP Recipients. Please visit http://www.law.depaul.edu/centers_institutes/public_interest/lrap.asp for more information.
The Law School is committed to 6 full-tuition Public Service scholarships each year (2 for students in each class, 1L, 2L, and 3L) and to 4 three-quarter tuition Public Service scholarship each year (2 for students in each of the 2L and 3L classes).
The purpose of the Loan Repayment Assistance Program (LRAP) is to assist and support graduates who pursue careers in the public interest. This program acknowledges the fact that law student indebtedness poses a significant obstacle to students interested in public service careers and demonstrates our action in addressing this urgent problem. Given the rising cost of higher education and the accompanying debt burden, a career in the public interest is often not feasible without financial assistance. The Earle Mack School of Law created the LRAP as a way to provide our graduates with the option of considering work in lower paying public interest or public service positions by reducing some of the financial barriers that may prevent them from following this career path.
The LRAP provides law students with greater flexibility when making career decisions by offering partial loan forgiveness to applicants who work in qualifying, law-related employment in the public sector. A standing LRAP committee chooses recipients and awards are renewable annually up to the maximum number of years of participation. These forgivable loans are structured to help graduates repay a portion of their educational debt.
The Earle Mack School of Law hopes that the LRAP will have a positive impact on both our students and the legal communities in which the students practice. The goal of the program is to enable our graduates to accept jobs and continue working in the public sector while also helping the public interest organizations pursue their vital mission by recruiting, hiring and keeping the best legal talent available.
William B. Billock Loan Repayment Assistance Program (LRAP). More information about the program is available online at http://www.sites.duq.edu/law/alumni/_pdf/LRAP-application09.doc.
Elon Law is a member of NC LEAF, a state wide LRAP program funded through a combination of state, law school and private funds.
For a description, please see http://www.law.emory.edu/cms/site/fileadmin/uploads/plandescription.pdf
For a description, see http://law.fordham.edu/ihtml/fa-2GradStu_LRA.ihtml?id=
The Law School's Loan Reimbursement Assistance Program (LRAP) assists recent graduates (1990 and later) by providing "forgivable" loans to those graduates whose annual income --after taking into consideration their annual law school loan payments -- falls below a certain target income. For more details, see http://www.law.gwu.edu/Resources/Public+Interest+and+Pro+Bono/Financial+Assistance/Loan+Reimbursement+Assistance+Program.htm
For information see, www.law.georgetown.edu/finaid/lrap
To help students who want to secure employment in low-paying public interest and government jobs, Golden Gate University School of Law offers a Loan Repayment Assistance Program (LRAP). The Program has two goals: (1) to lessen the degree to which financing the cost of a legal education limits career options and (2) to encourage graduates to choose public interest careers.
Under LRAP, the Law School will make a loan to qualifying graduates to assist them with their law school loan repayments. If a graduate remains eligible throughout the year, the loan is fully forgivable in July of the year following application. If a graduate does not remain eligible throughout the year, the loan must be repaid in accordance with the promissory note agreement required. Program participants must apply annually for loan repayment assistance and for forgiveness of the prior year's loan.
To qualify and remain eligible for LRAP, the graduate must earn a total salary of less than $75,000 and the work performed by the graduate must require her/him to hold a law degree. Funding is limited and not guaranteed. Preference is given to graduates who perform legal services for or under the direction of a government unit or an organization described in section 501(c)(3) of the Internal Revenue Code and exempt from tax under section 501(a). Section 108(f) of the Code details the requirements for non-taxable forgiveness. LRAP participants are encouraged to consult with a tax advisor regarding the tax implications of these loans. Among other things, loan forgiveness payments should not normally be counted as part of gross income.
Law school operating expenses, student fundraising, law school fundraising, faculty contributions.
For a description, see http://www.lrapmn.org/
For more information, see http://www.law.harvard.edu/students/finaid/lipp/ and contact:
Assistant Director for the Low Income Protection Plan & Summer Public Interest Funding
Student Financial Services
For information, please see http://law.hofstra.edu/currentstudents/FinancialAid/finaid_life.html
Howard does not currently have an LRAP.
Chicago-Kent Loan Repayment Assistance Program
Human rights, civil rights and liberties, social justice, access to justice, domestic violence, and anti-discrimination: these are several of the many areas addressed by public interest law. Chicago-Kent is committed to making such options available to its graduates. One challenge to a public interest career is high educational debt. Chicago-Kent has responded through the Loan Repayment Assistance Program (LRAP). The Mission of the LRAP is 1) help alumni in low-paying public interest jobs manage their student loan debt for the year, so they can stay in their public interest jobs and 2) encourage current students to consider a public interest career.
In order to ensure that alumni in public interest and government positions with the greatest need receive funds from the LRAP, applicants must meet employment, debt and income requirements.
Questions about the Loan Repayment Assistance Program should be directed to:Michelle Mohr Vodenik
Director & Public Interest/Diversity Advisor
Career Services Office
The Chicago Bar Foundation also has a loan repayment assistance program and Chicago-Kent College of Law students are eligible to apply. See http://chicagobarfoundation.org
The program, which began in October 2006, is funded by an endowment.
For information, see http://www.lclark.edu/dept/lawalum/lrap.html
None at this time.
Since July 1989, Loyola Law School has provided financial assistance to graduating students who accept lower-paying public interest employment, but who need help in repaying education loans. The Public Interest Loan Assistance Program (PILAP) is available to students who are employed by a qualified public interest program at an annual salary of less than $54,000. The maximum award an applicant can receive is $12,000 annually.
Eligibility for the Loan Repayment Assistance (LRAP) program includes any graduate who has been employed full-time in the previous calendar year in a law-related capacity for an employer that is a not-for-profit corporation exempt from taxation pusuant to Section 501 © (e) (3) of the Internal Revenue Code (other than Loyola University Chicago) or a governmental entity. If the number of applicants exceeds the amount of available funds, preference will be given to graduates who were employed full time in positions whose primary responsibility is to represent or advocate on behalf of indigent persons, disadvantaged groups, or inadequately protected interests. Graduates must also meet debt and salary level eligibility requirements. The program is administered by Maureen Looker, Associate Director of Career Services and Public Service Law, 312-915-7124, and Professor Henry Rose, 312-915-7840.
For further information, see http://law.loyno.edu/gillislong/programs.html
The Howard and Phyllis Eisenberg Fund is an endowed fund held by Marquette University that provides income each year for the purpose of law school loan repayment assistance. Dean Eisenberg himself established the Loan Repayment Assistance Program in the spring of 2001. After his death, the program was renamed to serve as a lasting memorial and was enhanced through memorial contributions and other donations.
For information, visit www.law.marquette.edu/jw/lrap
A Committee has been formed to investigate the possibility of forming a Loan Repayment Assistance Program.
The New York Law School Public Service Career Recognition Program honors the commitment made by graduates to pursue careers in public service. New York Law School recognizes the importance of community-based legal services, encourages its students to participate in public service activities, and promotes the pursuit of public service legal careers. We are mindful of the financial sacrifice made by many graduates to pursue these careers, and this program is designed both to recognize this choice and to relieve a portion of the student loan debt carried by graduates who have chosen this route.
In order to assist graduates who have chosen public service careers, loan repayment assistance loans are provided by the Law School to refinance part of existing education debt. The loans are fully forgiven immediately after the end of the calendar year in which they are made, providing the recipient is still employed in qualifying employment. Recipients may renew the loans for up to three years as long as they remain in qualifying employment.
NYU Law established one of the first and most generous Loan Repayment Assistance Programs (LRAP) in the country to assist students who pursue low-paying law-related careers, including academia. The program may pay the full annual debt service for JD graduates for up to ten years following graduation. For further information, please visit http://www.law.nyu.edu/financialaid/lrap/.
The state IOLTA (Interest on Lawyers Trust Accounts) program funds NC LEAF, the NC Legal Education Assistance Foundation. NC LEAF also receives contributions from the schools. Web address: http://www.ncleaf.org/.
Since 1989, Northeastern has been operating a loan relief assistance program to graduates engaged in public interest law practice. Over the past 23 years, the law school’s Loan Deferral and Forgiveness (LD.F) Program has provided several million dollars in loan relief assistance to nearly 420 graduates. The program provides loan relief to graduates doing legal work for civil legal service organizations, public defenders, non-profit advocacy groups, government (excluding judicial internships), unions and, in limited circumstances, small private firms whose focus is public interest law practice.
With the passage of the federal College Cost Reduction Assistance Act (CCRAA), which provides generous federal loan obligation relief, the law school is able to increase its support to its graduates. It is the school’s ambition to increase the amount of support steadily and substantially over the next several years.
A program is under development. PILS (the student Equal Justice Works chapter), with the assistance of the Dean and the Director of Career Opportunities and Development, is currently conducting a survey of the last five graduating classes to obtain information regarding debt totals and its impact on career selections.
For many years, Northwestern Law has helped preserve a complete range of career choices for its graduates by providing graduates who enter public interest and government jobs assistance in repaying their law school loans. In 1984, Northwestern Law created its first such program, the Loan Repayment Assistance Program (LRAP).
The Law School has revised this program to reflect the changing economic landscape and the needs of its students, and it is now called the Public Service Fellowship (PSFP). PSFP assists graduates entering legal and managerial positions in the public and non-profit sectors.
Under the program, eligible graduates working as attorneys or managers in any government or non-profit agency will receive one-year forgivable loans for their legal education debt service. If the graduate remains in a qualifying position for one year, the loan is forgiven in its entirety. Graduates may participate in the program for up to ten years.
Those who qualify apply only a certain percentage of their earnings to their annual obligations for loan repayments; the Public Service Fellowship provides for the remainder of their obligations in the form of one-year forgivable loans. The amount of assistance granted to each participant is based upon the gross income and the amount of the indebtedness of the participant. The calculations adjust the participant's income downward to reflect annual debt service from undergraduate loans and a dependant's allowance of $5,000 per child. Married applicants are treated as having the higher of (a) his or her own income or (b) half of the joint income.
|Income Level (AGI)||% of Income Applicant is Expected to Contribute (per year)|
A committee of faculty, staff, and alumni are in the process of developing a LRAP. Initial disbursements are scheduled to be made Spring 2002. To be eligible for consideration, students must work in public interest related positions.
See LRAP Policy
For a description see: http://www.law.pace.edu/currentstudents/lrap.html
In an effort to encourage and enable Penn State Law graduates to pursue careers in public interest law, the Law School has established a Loan Repayment and Assistance Program (LRAP) that can assist qualified graduates working in public interest law with their loan repayment obligations. More information is available on http://law.psu.edu/financial_aid/lrap.
For a description see: http://law.pepperdine.edu/admissions/financial_aid/18loan_forgiveness_programs.html
Available for students who meet policy requirements.
Thanks to the generosity of Roger Williams University and Jack and Sara McConnell, The Feinstein Institute established the Public Interest Loan Repayment Assistance Program in 2008. Through the program, we expect to award approximately eight grants of $4000 annually to graduates representing indigent clients in either civil or criminal proceedings.
In 1998 students at the law school established a Loan Repayment Assistance Program (LRAP) for graduates who make a long-term commitment to public interest employment. The program provides financial assistance to help defray law school debt obligations for graduates who have chosen to pursue lower paid public interest/public service careers. The continuing commitment of our students, support of our faculty and administration, and generosity of our alumni/ae have strengthened the program over the years.
The LRAP is available for all graduates from the class of 1997 and forward who are employed in law-related public interest positions and whose income does not exceed maximum levels established by the LRAP board. Graduates are eligible to receive program funds for a maximum of five years. The board’s current policy is to ensure that each applicant who qualifies receives a proportionate share of the LRAP funds available for disbursement. Award amounts are subject to the availability of funds and the number of applicants eligible in each award period.
Awards are made in the form of a loan and as such are not considered as taxable income to the recipient. This LRAP loan indebtedness is forgiven upon fulfillment of qualifying public interest employment, usually without adverse federal income tax consequences to the recipient as provided in applicable provisions of the Internal Revenue Code. In order to qualify to receive program funds, graduates must submit an LRAP application and all required documents each year; sign a Promissory Note in the amount of the annual LRAP loan; apply the loan proceeds toward the re-payment of law school educational debt; and promptly advise the LRAP administrator of any change in employment and/or financial condition.
Partially by student fee and partially through law school operating expenses.
For a description see: http://www-camlaw.rutgers.edu/probono/fundingpubint.html
St. Thomas administers John & June Mary Makdisi Loan Forgiveness Fund (established in 1999) and the Mr. & Mrs. Stanley G. Tate Loan Forgiveness Fund (established 2001). There are on-going efforts to develop additional funds for public interest loan repayment assistance.
Cumberland’s Career Services Office offers counseling to navigate repayment options for those who take low-paying, public interest jobs; particularly with regard to the Higher Education Reauthorization and College Opportunity Act of 2008.
Income Supplement Grants -Graduates of Santa Clara University School of Law working full-time in qualifying public interest and social justice positions may apply for a one-year Income Supplement Grant. The Income Supplement Plan ensures a minimum income to selected graduates accepting public interest and social justice jobs at low salaries. These graduates work for organizations that seek to improve the lives of the marginalized, subordinated, and underrepresented clients and causes. The grant year runs from September 1 through the following August 31.
For a description see: www.law.seattleu.edu/financialaid/lrap
Information on the Program can be found at http://law.shu.edu/csj/public_interest_loan_repayment_assistance_program.html. The Program is funded through student fundraising.
As the result of a gift to the law school, South Texas College of Law has approved the Fred Parks loan repayment assistance project, which operates on a model similar to the Texas Access to Justice Commission's Student Loan Repayment Assistance Program. The program targets students pursuing a career in public interest law, particularly those recent graduates who help low-income Texans.
The Miles and Nancy Rubin Loan Forgiveness Program - the Law School's loan repayment assistance program (LRAP) - provides financial aid to graduates who pursue public interest or government service careers. In 1987, Stanford Law School was the first law school in the country to launch such a program.
Stanford's commitment to guaranteeing career choices for its graduates is demonstrated by LRAP's success. The program reflects one of the school's key values: that public service is a worthy pursuit and that lawyers have a professional obligation to participate in public service throughout the course of their careers.
- Ensures that salary will not drive alumni career decisions.
- Helps alumni with excellent skills, motivation, and credentials find public interest jobs in both the United States and abroad.
- Lends funds to eligible applicants to help them meet their monthly educational loan payments. Loans are awarded on an annual basis. If the graduate remains in qualifying public interest employment for the full year, 100% of that annual loan is forgiven at the end of the calendar year.
Graduates can participate in LRAP for up to ten years after they receive their JD. The program spent nearly $2 million to help 197 alumni participants in 2011. The average LRAP award per alumnus was $12,686.00 for the year.
For 2012 program details, please visit: http://www.law.stanford.edu/program/tuition/assistance/pdf/LRAP_2012_brochure.pdf
A loan repayment/loan forgiveness program is being discussed and research by the Public Service Fellows at Stetson University College of Law.
For a description, see http://www.law.suffolk.edu/offices/finaid/lrap.cfm
The Student Public Interest Initiative is in the process of developing a Loan Repayment Assistance Program that would assist graduates who take public interest positions after graduation.
For a description, see http://www.law.tulane.edu/uploadedFiles/PublicInterest_Brochure.pdf
Many of our students received loan repayment assistance through the Arizona Foundation for Legal Services and Education Loan Repayment Program. The program was created in 1990 to establish a statewide loan assistance program for law school graduates employed in programs dedicated to serving the civil legal needs of the poor. Applicants must be members of the State Bar of Arizona (this requirement can be waived for up to 24 months), employed full-time with an approved non-profit legal organization and earning an income not to exceed $45,000. http://www.azflse.org/azflse/grants/loanrepayment.cfm
The School of Law administers a loan repayment assistance program for students pursuing public interest careers.
The King Hall Loan Repayment Assistance Program was established in 1990 to assist recent graduates entering public interest/public benefit legal employment with educational loan repayment. In the past, it was difficult for many graduates to seriously consider this worthwhile and rewarding employment option because of educational debt burden and the corresponding payments. The LRAP program has effectively removed the employment barrier by offering interest free loans to qualified graduates.
The LRAP loans are used to make monthly or quarterly educational loan payments. Upon the completion of two years of public interest/public benefit employment, the School begins to forgive the interest-free loans at the rate of 25 percent per year. At the end of five years of qualifying employment, the LRAP effectively becomes a grant program and all loans are forgiven.
The Berkeley Law Loan Repayment Assistance Program (LRAP) is designed to aid Berkeley Law graduates who earned the Juris Doctor (JD) degree and are employed by either nonprofit public interest organizations or government agencies. Under this program, the School of Law provides participants with assistance for law school loan payments made during six-month periods for up to 10 years for student loans borrowed while attending Berkeley Law. For members of the graduating classes of 2006 and beyond, the overall cap on principal and capitalized interest for all loans covered by LRAP shall be $100,000 for law school loans, no more than $10,000 of which can be for bar study loans. The amount of program assistance will be prorated for participants with annualized incomes greater than $58,000.
The Public Interest Career Assistance Program (PICAP) is designed to aid and encourage Hastings graduates working in public interest legal organizations or government agencies by assisting with repayment of qualifying, outstanding educational loans. PICAP distributes money to assist in loan repayment to Hastings graduates working in low salary government or public interest jobs.
The College is pleased with its history of graduates who choose to use their skills and talent to serve in the public interest. Recognizing the disparity in salary between corporate employment and public interest the College is committed to supporting PICAP ensuring that its loan repayment assistance is significant and meaningful. This commitment is strengthened each year as the terms of the program and the annual budget are reviewed.
PICAP funding is finite. Awards are dependent on the number of eligible students applying and the established annual budget.
The Hormel Public Interest Program is not a traditional loan repayment assistance program. There is not a lengthy time requirement to receive benefits, and benefits are provided regardless of spousal income or potential family contributions. We like to think that the HPIP approach is the best way to support and encourage our graduates. The University of Chicago Law School revising its LRAP program, and will announce new details in early 2011. For current information, please see http://www.law.uchicago.edu/financialaid/HPIP
The University of Colorado Law School is dedicated to helping its graduates make career choices that are right for them, despite the reality of educational debt. The Law School realizes that the burden of such debt may prevent students from choosing to work in low paying public service or non-profit organizations. Consequently, the Law School has established the Loan Repayment Assistance Program (LRAP). LRAP provides partial loan repayment to selected students who choose qualifying public interest work.
The availability of funds, the size of LRAP awards, and the number of awards given annually may be adjusted as program resources, participation rates, and other factors change.
How LRAP WorksStudents and graduates of the Law School apply for LRAP awards during the spring semester. LRAP awards are contingent upon the recipient’s ongoing employment in a qualifying public interest job during the annual period for which the LRAP grant is awarded. Law School graduates are eligible to receive LRAP awards for up to three (3) years, provided that they continue to meet the eligibility requirements. Participants must re-apply during the second and third years to continue receiving benefits from the program.
To be eligible for LRAP assistance, the applicant must be a graduate of or a graduating student from the University of Colorado Law School. Graduating students may apply for the LRAP during their third year of law school. Eligibility will be based on the following factors:
- Qualifying public interest employment.
- Employment income and financial conditions.
- Continued eligibility for duration of LRAP assistance.
Qualifying Public Interest Employment
The applicant's employment must be as a licensed, full-time (35 hours or more each week) lawyer working in a public interest capacity. There are three categories qualifying as working in a “public interest capacity:” (1) the lawyer works directly on behalf of economically disadvantaged clients, for or under the direction of an organization described in Section 501(c)(3) of the IRC and exempt from tax under Section 501(c) of the IRC, and as determined by the Colorado Law School with reference to the requirements of Section 108(f) of the IRC; (2) the lawyer works for an organization described in Section 501(c)(3) of the IRC and is exempt from tax under Section 501(c), provided that the employer cannot be the Law School, nor can the services be performed for the Law School; or (3) the lawyer works for a national, state, or local government agency.
Judicial clerkships do not qualify as employment in a “public interest capacity.” The LRAP program is not intended to provide benefits to graduates who choose to take judicial clerkships, as most do not enter LRAP-eligible employment following these clerkships. Graduates who intend to proceed to LRAP eligible employment immediately following the end of their clerkships may apply to the program for benefits at that time.
Qualifying Debt Service
LRAP recognizes annual debt service only on law school loans approved by the University of Colorado. While a student’s total debt burden is considered in her application, LRAP awards are designed to repay only law school loans approved by the University of Colorado. Any benefits received to help repay law school loans through another program may affect the amount of an LRAP award.Employment Income and Financial Conditions
In order to qualify for LRAP assistance, the applicant’s prospective and/or current income must not exceed $46,700. In determining applications for continuing eligibility, an allowance for annual gross salary increases of $2000 above $46,700 is allowed for each year of LRAP participation. In determining whether the applicant’s annual gross salary exceeds the cap, any additional sources of the applicant’s taxable income for that year will be considered.
A current LRAP recipient may reapply for the next year and will receive assistance, provided all eligibility requirements are met. The eligibility requirements must be satisfied each year. Assuming all requirements are met and funding is available, LRAP assistance may be provided for up to three years. After the third year, an applicant may re-apply for additional years, assuming that all eligibility requirements continue to be met. However, new applicants for LRAP assistance (at whatever eligibility category level) will receive priority over previous award recipients who have already received LRAP assistance for three years. For both new applicants and for renewals, the Committee reserves the right to consider an applicant’s total financial condition.
Students, with the support and guidance of Law School Faculty and Administrators, are currently working to craft a program which will provide meaningful financial assistance to students and graduates who decide to make a career in public interest/public service. A bill to fund such a program was passed by the Judiciary Committee of the General Assembly in the 2000-2001 general session but has not yet been adopted by the entire Assembly.
None, but the School of Law is exploring the possibility of establishing a program.
The UGA School of Law is one of only a few public law schools offering loan repayment aid to alumni in public interest positions. The school provides annual awards to four or five recent graduates who have committed their careers to public service.
The establishment of a loan repayment assistance program (LRAP) is currently under investigation at the College of Law as a way to help alleviate the debt burdens of its graduates pursuing careers in public interest or public service work. The College of Law LRAP Exploratory Committee has called for the implementation of a loan repayment assistance program to ensure that every student who wishes to enter public service may do so, without being hindered by educational finances.
Iowa Law School Foundation Loan Public Interest Forgiveness Program
Applicants for this program must be employed on a full-time basis, in a law-related capacity by an organization which is exempt from federal income taxation as an organization described in Section 501 (c) (3) of the Internal Revenue Code, must have Iowa Law School Foundation Loan debt, must have a salary less than 125% of the “standard maintenance allowance (SMA)” for their geographical area. After one year of qualified employment applicants must provide written documentation from their employer confirming the applicant’s employment for a full year and providing certification of the salary received for the full year. Eligible borrowers shall have their ILSFL forgiven at the following schedule, 25% after one year, 25% after two years (33% of the remaining balance), 50% after three years (the entire remaining balance)..
Iowa Law School Foundation Loan Iowa Lawyer Forgiveness Pilot Program
The applicant must be engaged in employment performed primarily within the State of Iowa which requires a law degree and admission to the Iowa Bar and must also perform a minimum of 40 hours per year of qualifying pro bono legal services. Additional factors to be considered in evaluating applications for the Pilot program will include the applicant’s record of achievements at the UI college of Law, the applicant’s financial need, the applicant’s record of community service, and whether the applicant intends to engage in employment in a geographical area of Iowa that has a demonstrable and unmet need for lawyers or in a substantive area of the law for which there is a demonstrable and unmet need, as determined by the ILSF. The terms of forgiveness are the same as the terms of the Iowa Law Foundation Public Interest Loan Forgiveness Program.
Class of 2007 Loan Repayment Assistance Program
The applicant must be working in the legal field with a salary of $45,000 or less and must have law school debt of $63,000 or higher. Recipients will be selected on the basis of need. Three alumni per year will be selected to receive $3,000 each, which will be paid over two years in lump sums of $1,500. Applications will be accepted in December of each year.
Iowa Law School Foundation Loan Repayment Assistance Program
Provide financial assistance to graduates who obtain eligible public service employment and need assistance to repay loans taken during law school. Selection priorities are demonstrated commitment to public serve, need as determined by the total eligible debt to income adjusted for geographic cost of living differences and debt as determined by the total amount of eligible loan debt.
This type of program is under consideration.
The College of Law has received grants from the United States Department of Justice for the Rural Drug Prosecution Assistance Project (“RDPAP”). The purpose of the RDPAP is to enhance the ability of the criminal justice system in the rural parts of Kentucky to prosecute, defend, and adjudicate the increased volume of drug and drug-related crimes, by placing UK Law students and graduates as interns and employees with Commonwealth's Attorneys, Public Defenders and Circuit Court judges. Students employed through this program as public defenders would be working for the benefit of indigent defendants. The RDPAP includes a Tuition Remission Program under which UK Law participants in the Graduate Employment Program receive tuition remission payments based upon successful completion of one year of employment with qualified Commonwealth's Attorneys, Public Defenders and Circuit Court judges. It is anticipated that the amount of the tuition remission payment will be $10,000.
For description see: http://mainelaw.maine.edu/admissions/loan-repayment-assistance.jsp
University of Maryland School of Law Public Interest Loan Repayment Assistance Program
The School of Law works closely with the Maryland Higher Education Commission to continue to strengthen the state of Maryland's public interest Janet Hoffman LARP Program. http://www.law.umaryland.edu/students/resources/tuition/loan_repayment.html
The Public Interest Loan repayment Assistance Program is available to rising 3Ls and provides $18,000 in tuition to students who pledge and perform a minimum of two years in public interest positions.
The University of Michigan Law School's Debt Management/Loan Forgiveness Program provides an opportunity for University of Michigan Law School graduates to accept a lower paying job without feeling overwhelmed by the debt accumulated while earning their degree. The program will actually contribute to loan payments, making a modest paying job more realistic. Applicants working at least half-time in a law related occupation and graduating from the University of Michigan Law School in 1986 or later can be considered for the program. The applications are processed and funds are disbursed annually. For further information, please go to http://www.law.umich.edu/currentstudents/financialaid/debt-management.htm
LRAP of Minnesota helps make public interest careers possible by assisting recent graduates with loan repayment. While only recent graduates may apply for an initial grant, previous LRAP recipients may reapply for assistance for up to fifteen years. LRAP is supported by donations from the area law schools, firms, attorneys, and the annual Race for Justice.
Awards available to graduates who work directly with individuals in need of legal services and for a non-profit agency. Award amounts vary depending on number of qualified applicants.
Loan Repayment Assistance Program (LRAP)—Phinney Fund:
Recognizing UNH School of Law graduates are committed to public service work but receive relatively low salaries with high student loan obligations, the University of New Hampshire School of Law and the Social Justice Institute are committed to ensuring that the Loan Repayment Assistance Fund remains a reliable resource for graduates choosing careers serving the public interest. The UNH School of Law annually contributes to the fund and actively seeks donations for the program. Additionally, the UNH School of Law sponsored LRAP Golf Tournament directly supports the UNH School of Law’s Loan Repayment Assistance Program.
The Assistant Dean for Career Services and Assistant Dean for Admissions and Financial Aid serve on the advisory board for the New Mexico Department of Higher Educations, which oversees the state LRAP for lawyers serving as district attorneys, public defenders and direct legal services providers.
NC LEAF's loan repayment assistance program provides for loan deferral for the first three years of public service employment, followed by loan forgiveness for continued public service. At the completion of year four, years two and four are forgiven, and at the completion of year five, years one and five are forgiven. Beginning with year six, loans are forgiven at the completion of each year.
For further details, consult the NC LEAF web site at www.ncleaf.org, "Program Guidelines 2006-2007."
For a description see, http://www.law.uoregon.edu/lrap/
Loan assistance is available to students pursuing careers in the public sector following graduation. The contact person for this program is Ann Murray, Esq., 215/898- 0386.
A Loan Repayment Assistance Program (LRAP) will commence in 2007-2008
University of Richmond does not have a LRAP at this time.
See USTLaw LRAP: http://www.stthomas.edu/law/financing/lrap.asp
Minnesota LRAP: www.lrapmn.org
For a description see: http://www.sandiego.edu/usdlaw/finadm/finaid/lrap.php
Two accounts primarily support the Loan Repayment Assistance Program:
- LRAP endowment account
- Account for non-endowment annual gifts to LRAP
USF School of Law’s Keta Taylor Colby Loan Repayment Assistance Program assists USF School of Law graduates with their educational loan repayment to enable their pursuit of law careers in the public interest. Eligibility requirements and application can be found on the law school’s website at: http://www.law.usfca.edu/alumni/loans.html
For a description see: http://www.law.sc.edu/loanforgiveness/
For a description see: http://mylaw2.usc.edu/portal/academics/financial/repayment.cfm
The College of Law is in the process of instituting such a program.
The UT Law Loan Repayment Assistance Program provides financial assistance to graduating students with educational debt who enter qualifying public service, beginning with the Class of 2008. UT Law places a high value on working for the good of society, and the LRAP is designed to make it affordable for our graduates to choose to accept public service employment.
In addition to educating students about the College Cost Reduction and Access Act of 2007, Pacific McGeorge operates its own LRAP program for students entering public interest and public service law. Since 1995, Pacific McGeorge has offered a loan repayment assistance program for those students pursuing public legal service. This program acts as a form of post-graduate aid, providing grants from the law school to help graduates reduce their monthly loan obligation, thus enabling them to accept public interest jobs. Graduates who maintain a long-term career in the public interest field can potentially receive this assistance until all of their loans are repaid.
A generous gift from Jefferson B. and Rita E. Fordham established the Public Service Loan Repayment Assistance Program. Other fundraising efforts also support the program.
In 2001, the University of Virginia School of Law established the Virginia Loan Forgiveness Plan (VLFP) to assist graduates entering low paying public service employment with their law school educational loan obligations. VLFP is funded primarily by generous donations from graduates of the Law School. The Law School remains committed to the goal of making a career in the public sector a viable option for all of its graduates – even those with substantial educational loan debts.
VLFP provides that graduates who accept public service employment, as defined, by December of the calendar year two years following their graduation (i.e. December 1, 2008 for 2006 graduates) or following a judicial clerkship which is taken immediately after graduation and is no longer that two years, will receive additional loans during each year of their employment, for up to ten years, to use toward law school loan payments.
The amount of loans provided participants in a given year equals the difference between their actual law school loan payments for the year and what VLFP presumes they can afford to pay given their current adjusted gross income.
The University of Washington Law School will be administering its new Loan Repayment Assistance Program for the first time in 2010.
The University of Wisconsin Law School sponsors a Loan Repayment Assistance Program (LRAP), which provides small grants to students who accept permanent public interest jobs after graduation. Since its inception in 2002, the LRAP has generally provided anywhere from two to six months of loan repayment in the form of a lump sum payment upon acceptance of a "qualifying position." "Qualifying position" means a legal position at a non-profit organization or government agency with a specified annual salary.
In order to encourage law students to accept public interest jobs upon graduation, Valparaiso offers a Loan Repayment Assistance Program (LRAP). This program is designed to offer financial assistance to Valpo Law graduates who have chosen to go into public interest employment, and who have accumulated substantial debt from educational loans. Awards range from $1,000 to $4,000 each year. In 2006, $100,000 was awarded. For additional information, contact Kim Bubac, Assistant Director of Career Planning at 219/465- 7967 or firstname.lastname@example.org.
Law school operating expenses and some dedicated funds.
For a description see: http://www.vermontlaw.edu/admissions/index.cfm?doc_id=72
The Villanova Law Loan Repayment Assistance Program was started in 2006 by the Public Interest Fellowship Progam. The LRAP is funded through proceeds from our annual public interest auction.
Wake Forest University School of Law Loan Repayment Assistance Program http://career.law.wfu.edu/alumni/lrap/
The Washington and Lee University School of Law Shepherd Loan Repayment Assistance Program (the "LRAP") is designed to provide financial assistance to graduates working in the public interest at salaries below what their counterparts in the private sector are earning.
The Mel Brown Family Loan Repayment Assistance Program (LRAP) was adopted in January 2002. LRAP provides forgivable loans to qualifying graduates. Graduates are eligible for partial or full loan forgiveness if they have at least $20,000 in law school loan debt, are employed by the government or a nonprofit organization, and earn less than $45,000 annually.
For a description, see www.law.whittier.edu/alumni_attny/services-loan-repayment.asp
For a description, see: http://www.law.widener.edu/financial_aid/aid_lrap.shtml
In 2006, Willamette initiated a Loan Repayment Assistance Program. Under the program, WUCL lends eligible candidates money to help them repay their student loans. If a loan recipient works in a qualifying public interest position for at least one year after receipt of the LRAP, the loan may be forgiven. Eligible graduates may apply annually for a total of three years of LRAP funding and loan forgiveness.
William & Mary School of Law’s Loan Repayment Assistance Program assists graduates who work full-time for a legal aid/legal services organization; public defender; prosecutor; government agency; JAG corps; legislative office; or an academic, law-related, nonlegal, or other 501(c)(3) organization with a public service mission. Partisan political work and judicial clerkships are not eligible. Assistance is in the form of annual interest-bearing loans which are forgiven if the recipient satisfies all program requirements and remains in qualifying employment. Funding is provided on a calendar-year basis. See http://law.wm.edu/careerservices/currentstudents/lrap/index.php for complete information.
The deans and faculty also created an LRAP fund to support LRAP-MN ; $52,000 for FY09 contributions.
The Career Options Assistance Program (COAP) allows students to choose public service after graduation by paying all or a portion of their academic loans. COAP provides full loan repayment to any and all graduates who are earning less than $60,000 a year (more with deductions) and partial repayment for those with salaries quite a bit higher. COAP paid over $2.4 million to almost 300 graduates in 2008 and has given over $24 million since its inception in 1988.
In September 2008, prominent philanthropist, Laurie M. Tisch made a $5 million gift to establish the Laurie M. Tisch Loan Repayment Assistance Program at Cardozo. This endowment strengthened and expanded the existing LRAP program to provide annual forgivable loans to graduates working in public service up to five years post-graduation to assist them in overcoming their educational debt. In 2009, the new program funded 55 alumni from the classes of 2004 to 2008 with awards totaling $252,000, ranging from $1,000 - $8,000 per award.