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FAQ

What is the deadline to apply?

King Hall graduates can apply for up to three and one-half years after graduation.

The deadline to receive applications for the January payment period is November 15.

The deadline to receive applications for the July payment period is May 15.

How do I apply for the LRAP program?

A complete application consists of the following:

  • LRAP Application and Checklist 
  • LRAP Employment Verification  (For use if your employer does not have an employment verification system)
  • Position Description/Duty Statement on the government or non-profit agency letterhead to verify employment with a Local, State, or Federal government agency
  • Verification of employer 501(c)(3), (4), or (5) IRS tax-exempt status (For non-profit organizations)
  • List of student loans from the National Student Loan Data System
  • Loan disclosure statement from your Federal Student Aid Loan Servicer for each loan you want to include in LRAP.  The disclosure should include the monthly payment schedule determined by the federal repayment plan you selected, capitalized interest, and proof of payments made to lender (see sample attachments for Direct and Perkins Loans on website).  Use NSLDS to identify your loan servicers. 
  • IRS Tax Transcript, including W-2 and schedules for you and your spouse, if applicable. Request a copy of your federal tax return at https://www.irs.gov/taxtopics/tc156.html.  For security, please remove your routing and account numbers and all but the last four-digits of your social security and/or tax ID numbers.

Do LRAP participants need to re-apply every year?

Yes, current LRAP participants will need to establish continuing eligibility by submitting to the Law Financial Aid Office by November 15 (for the January payment period) or May 15 (for the July payment period) the following:

  • LRAP Application and Checklist 
  • LRAP Employment Verification  (For use if your employer does not have an employment verification system)
  • Proof of student loan payments for the last six months.  Download your loan payment history from the Federal Student Aid Loan Servicers
  • Updated repayment agreement or billing statement that includes your required monthly payment
  • Most recent signed IRS Tax Transcript, including W-2 and schedules for you and your spouse, if applicable (Required for July payment period only).  For security, please remove your routing and account numbers and all buth the last four-digits of your social security and/or tax ID numbers
  • Submit the LRAP Loan Forgiveness Application  to have benefits received from the previous period forgiven

What qualifies as eligible employment for LRAP?

King Hall graduates who perform law-related work for nonprofit organizations that qualify for tax exemption under IRS Code Sections 501(c), (3), (4), or (5) or who are employed directly by a local, state, or federal government agency. Employment must be no less than 75% time.

What loans are eligible under the program?

Federal Stafford Subsidized, Unsubsidized, Graduate Plus, Perkins and Alternative loans. Includes federal loans taken out for undergraduate and other graduate-level study. Bar Study Loans are not eligible.

Can I receive LRAP benefits if my student loans are in deferment or forbearance?

No, loans in deferment or forbearance are not eligible for LRAP. 

What is the maximum income to qualify for the program?

The maximum annual income is $60,000. Applicants must report income from all sources.

How is my spouse or partner's income counted?

Married graduates will be treated as having the higher of (a) their respective incomes or (b) one-half of their joint income, whichever is greater. In the event that both partners are eligible for LRAP, their income and debt will be treated separately or as one-half of the total income and debt for each.

I have children. How will this affect my LRAP benefit?

We will reduce your income by $5,000 for each dependent you claim as a tax exemption on your federal tax return.

What happens if my employment changes in the middle of the payment period?

Submit the LRAP Status Change  to report any changes to employment; job duties; scheduled hours; income; marital status or legal dependents within 30 days of the event.  Failure to report these changes within the allotted grace period will result in disqualification of your loan forgiveness for the benefit period.  We may ask you to repay a portion of LRAP benefit already received or we may reduce your future benefit based on the information you provide in the status change form. 

Is there a maximum number of years I can participate in the LRAP program?

Yes, graduates can receive benefits for a maximum of 10 years of qualifying employment.

Am I eligible to participate if I am currently holding a judicial clerkship?

No, judicial clerkships do not qualify for the LRAP program.

How frequent are payments issued to LRAP participants?

LRAP payments are issued twice during the calendar year in January and July.

How much LRAP benefit will I receive for each payment period?

For program participants with an annual income of $40,000 or less, the LRAP loan will equal the amount necessary to cover the scheduled monthly payments for eligible education loans as determined by the federal repayment plan you select. For participants with an annual income greater than $40,000, the amount of Program assistance will be prorated, with participants expected to make an imputed contribution equal to 35% of income above $40,000.

How long must I remain in the program before the LRAP benefits I receive are eligible for forgiveness?

We will forgive your LRAP loan at the end of each six-month period after you submit the LRAP Forgiveness Application  and verify that you continue to work for an eligible employer, your annual income from all sources does not exceed $60,000 and you make payments due on all education loans covered by the program.

What other loan forgiveness programs are available for Public Interest employment?

The College Cost Reduction and Access Act (H.R. 2669 and Public Law 110-84) passed in September 2007 created a new Federal Public Service Loan Forgiveness program. Borrowers repaying federal Direct Loans who work in public service professions (such as jobs in schools, charities, and government) for 10 years can cancel any federal student loan balances that remain after that period. Please review the Federal Q & A form  and/or visit Federal Student Aid on the Web for more information about Public Service Loan Forgiveness.