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Have a look at our compiled list of state and federal loan repayment assistance programs (LRAPs) for lawyers so you can stay informed of your refinancing options after law school.

We have also provided you with a list of assistance programs on a university level. Be sure to check out what student loan forgiveness options are available through your law school.

Law Schools with Loan Repayment Assistance Programs

State Program Description
Federal Federal Public Service Loan Forgiveness (PSLF)

Eligible attorneys must be employed full time (30+ hours per week) by a public service organization as defined by the program conditions. Loans under the Federal Direct Loan Program are eligible for forgiveness after 10 years of repayment. The repayment timeline began in 2007, so only payments made after this date will contribute towards the 120 payments needed to receive loan forgiveness.

Federal The Federal Perkins Loan Cancellation

Discharge is available to public interest employees, including public defenders, prosecutors, and attorneys representing children, who have Federal Perkins loans. 100% forgiveness is available after five years of qualified employment. Awards are distributed incrementally over the duration of the discharge.

Federal John R. Justice Student Loan Repayment Program

Program provides eligible law school loan repayment for state and federal public defenders and state prosecutors who agree to remain employed as public defenders and prosecutors for at least three years. The annual awards to qualified defenders and prosecutors may be up to $10,000, depending on funding and state, to repay student debt. If the employment commitment is not fulfilled, any amount received must be repaid. In 2014, all states received funding except for Tennessee. Consult with your states Governors Designated State Agency to learn how to apply.

Arizona Joyce Holsey’s – Loan Repayment Assistance Program

Assistance program created to help eligible, licensed law school graduates serve the legal needs of the underserved. Applicants must have an annual income below $65,000 and, at this time, must not be employed as an attorney by a government agency. A maximum of $10,000 per year may be awarded to each approved applicant. Loan assistance will be paid quarterly as a prepayment.

District of Columbia DC – Loan Repayment Assistance Program

The DC Bar Foundation offers a forgiveness program to increase the number of experienced, skilled lawyers working for low-income individuals, while providing assistance to the education debt held by public interest lawyers. Program provides one-year, interest-free, forgivable loans with a one-year service requirement. A maximum of $12,000 per year, to be distributed quarterly, may be awarded to approved applicants.

Illinois Sun-Times Public Interest Law Fellowship Program

The Chicago Bar Foundation awards assistance to law school graduates who either are presently working, or who have accepted an offer to work for a qualified legal aid and public interest law organization. The foundation awards up to $50,000 per fellowship to attorneys with a record of outstanding achievement who are committed to public interest work. Recipients will receive installments over a 5-year period. Applicants must have at least $40,000 in law school debt and make a five-year commitment to their qualified legal aid or public interest law organization.

Iowa Iowa State Bar Association Loan Repayment Assistance Program’s

The program exists to support law school graduates pursuing careers in the public interest. Applicants must be licensed to practice law within the state and employed full time at a qualified organization aimed at providing legal services to the poor, law related education, or enhancement of the administration of justice. Recipients must not have a salary exceeding $50,000, and may qualify for assistance of up to $2,000 per year.

Kentucky John R. Justice Loan repayment Assistance Program

Program is intended to encourage qualified attorneys to commit to careers as prosecutors and public defenders. Applicants must have eligible loans that are not in default, have an annual salary of no more than $55,000, and have a valid Bar Certificate by the Kenturcky Bar Association. The max award of $655 per year will be split between 24 public defenders and 24 prosecutors. Awards are paid directly to the lender when the agreement is fulfilled.

Louisiana Louisiana Bar Loan Repayment Assistance Program

The program was created to bring awareness to careers in civil legal aid by providing forgivable loans up to $5,000 per year to organizations supported by the Louisiana Bar. Recipients must be employed by a qualifying organization on a full-time basis with a gross annual income below $50,000.

Maryland Janet L. Hoffman Loan Assistance Repayment Program

Awarded to Maryland lawyers who provide public service in Maryland State or local government or nonprofit agencies in Maryland to low income or underserved residents who cannot afford legal services. You must have earned a law degree from a college in Maryland and be employed full-time with a gross salary under $60,000. Awards are distributed over a 3-year period and, depending on total debt amount, yearly payment award will be between $1,500 and $10,000.

Minnesota
Loan Repayment Assistance Program Minnesota

Available to graduates from a Minnesota law school, or from any ABA-accredited law school if employed at a qualified Minnesota agency. Applicants must be employed full-time in a nonprofit organization that provides legal services to low-income clients. Depending on length of service within this sector, the income cap is $65,000. In return, twenty-five percent of an applicant’s assets in excess of $15,000 will offset the amount of loan repayment assistance provided.

Montana Montana Justice Foundation Loan Repayment Assistance Program

The program is dedicated to providing legal aid to low-income individuals and families in Montana. The program is administered on a year-by-year basis for an adjustable max program length of five years. Applicants must work full-time. Issuing of the awards is left to the discretion of the MJF Board of Directors. A maximum loan amount of $2,500 per year (or $1,250 semi-annually) may be awarded to each approved applicant.

Nebraska Legal Education For Public Service and Rural Practice Loan Repayment Assistance Program

The program is intended to increase legal assistance for low-income persons through the recruitment and retention of qualified attorneys. Applicants must be employed by tax-exempt charitable organizations providing legal service to shortage areas in Nebraska. Participants must also work full-time and complete one year of qualified employment to receive assistance. There is no income cap to apply. Forgiveness will be determined annually, but may not exceed $6,000 per year.

New Mexico Public Service Law Loan Repayment Program

The purpose of the program is to provide legal educational loan repayment assistance in exchange for public service to low income or underserved residents in New Mexico. Applicants must be employed by an eligible site, and their salary must not exceed $55,000. The program requires a three-year commitment, with a yearly maximum award of $7,200.

New Hampshire New Hampshire Bar Foundation Loan Forgiveness Program

Program is aimed to help legal service providers maintain high quality staff to assist the poor and elderly within New Hampshire. Assistance can be given on a pro-rated basis to part or full-time attorneys who have outstanding law education debt. The program year starts July 1 and the amount of assistance is based on need of the applicant and is subject to change yearly. The Bar Foundation will notify each recipient of the amount of loan forgiveness for each loan.

New York District Attorney and Indigent Legal Services Attorney Loan Forgiveness Program

Awards offered to retain attorneys employed as District Attorneys, Assistant District Attorneys or Indigent Legal Services Attorneys throughout New York State. Eligible attorneys must be employed full-time, and awards are dependent upon state funding each year. The maximum award is $20,400, and is paid in disbursements of up to $3,400 each year.

North Carolina NC Legal Education Assistance Foundation Loan Repayment Assistance Program

The foundation encourages attorneys to pursue careers in public service through law school loan repayment assistance. The program provides forgivable loans to assist public interest attorneys. The applicant must have an annual gross income below $50,000 and at least $10,000 in law school debt. The maximum monthly assistance payments will not exceed $400 and will be coordinated with any other repayment assistance.

Ohio The Ohio Legal Assistance Foundation Repayment Assistance Program

The purpose of the program is to strengthen legal aid service and assistance to the poor by providing loan repayment assistance to attorneys. The majority of civil legal aid attorneys in Ohio participate in the loan forgiveness program issued by the foundation. Participants who are employed full-time by an eligible grantee receive $6,000 per year. Applicants are allowed to join the program on a quarterly basis.

Oregon Oregon State Bar Loan repayment Assistance Program

To qualify, attorneys must provide civil legal aid and represent low-income individuals as public defenders or as deputy district attorneys. Applicants must be licensed in Oregon, but the program is not limited to graduates of Oregon law schools. The salary cap for the program is $60,000, and the applicant should have eligible loans above $35,000. Award is up to $5,000 annually for a maximum of three consecutive years for completed employment.

Pennsylvania Pennsylvania Bar Foundation Loan Repayment Assistance Program

The goal of the assistance program is to help attorneys employed at qualified legal service organizations across Pennsylvania manage their debt while strengthening talent within public service. Applicants must have a gross salary under $66,000, be licensed within the state, and provide at least one year of required service. The amount of loan assistance provided to each applicant is dependent on the available funding and the number of qualifying attorney applicants.

Texas The Texas Student Loan Repayment Assistance Program

The program was created to assist attorneys who pursue careers in legal aid in Texas and to increase access to justice for low-income individuals. The State Bar of Texas funds approximately 125 lawyers. Recipients receive forgivable loans, rather than grants, on an individual basis. The loans will be forgiven as long as the recipient continues employment with a qualified entity in the public sector for one year following the loan disbursement. Applicants will be rank-ordered from highest to lowest need, based on the calculated student debt-to-income ratio.

Vermont Vermont Bar Foundation Loan Repayment Assistance Program

The goal of the foundation is to assist attorneys employed in civil legal aid to low-income individuals in Vermont or employed in the Office of the Defender General. Participants must be employed through a qualified organization and have a salary below $50,000. Assistance is offered at $5,000 per year and paid biannually. Former participants may apply in future award cycles if they meet the employment and income qualifications.

Virginia Herbert S. Garten Loan Repayment Assistance Program

The assistance program is designed to retain highly qualified attorneys and to promote the development of public service law as a viable career path for law school graduates. Applicant must have no more than 5 years of experience within public service programs, have a gross income of less than $55,000, and have over $50,000 in law school related debt. Recipients receive up to $5,600 per year, renewable for up to three years as long as the recipient remains eligible and in good standing.

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