To give the most students the maximum coverage possible, LRAP Plus is made up of two types of repayment plans. Participants can choose the plan that works for them.
Please note: LRAP Plus is available to the Class of 2019 forward. The Class of 2018 and earlier are eligible for our prior LRAP. (The Classes of 2019-21 may choose either LRAP Plus or our prior LRAP.)
The LRAP Plus income-driven plan
The LRAP Plus income-driven plan leverages the power of the federal government’s Public Service Loan Forgiveness Program (PSLFP), and is for graduates who want to keep their out-of-pocket costs as low as possible.
- Qualified jobs include government positions at the federal, tribal, state, and local government level, as well as judicial clerkships, positions in legal academia, and 501(c)(3) organizations.
- You can earn up to $100,000 and have no monthly payment on your law school loans. If you make more, you will have a participant contribution.
- Your Federal Direct Loans can be fully forgiven via the PSLF program with the lowest overall out-of-pocket expenses possible, if you stay with this plan for 10 years until completion.
- If you choose to explore other career opportunities after three years in the income-driven plan, we offer one-time payment assistance to help you stay on track with your loan payments.
- The Law School would provide you the benefits of our traditional plan (see below) if for any reason the federal government's PSLFP were no longer available to you.
The LRAP Plus traditional plan
The LRAP Plus traditional 10-year repayment plan is similar to other law schools, and is mostly for those who are not eligible for our income-driven plan.
- Eligible jobs include those at public interest law firms, public interest self-employment, and positions in foreign governments and in organizations such as the United Nations and the World Bank, as well as jobs covered under the income-driven plan.
- With the traditional 10-year plan, you and the Law School both make contributions toward your monthly law school loan payments to pay off the debt.
- You don't need to fit into a narrow salary range to participate in the plan. Graduates making less than $55,000 have no monthly contribution; graduates making more than that will have a participant contribution calculated on a sliding scale.
Both our LRAP Plus plans include:
- Benefits for non-law educational debt up to $30,000 in original principal (on top of a $10,000 allowance for bar loans).
- A dependent allowance of up to $10,000 per eligible dependent.
- The option to defer the program for up to two years to start a family, go back to school, or handle certain hardships.
- The option to apply for LRAP Plus at any time after graduation.
Find out more about how LRAP Plus can work for you.
- Different factors (such as the student contribution) can impact eligibility, so we encourage prospective LRAP participants to contact our office with any questions or to set up an appointment with an LRAP administrator.