Loan Repayment Assistance Program (LRAP)
In the fall of ‘06, the Board of Trustees endorsed an effort to build the endowment by raising gifts for student scholarships and the Loan Repayment Assistance Program (LRAP). These established funds are among the responses to that effort.
LRAP is available for JD graduates who are practicing law full-time in a qualified public interest job and are making less than $55,000/year.
Public interest is defined as: Jobs with federal, state or local governments, qualified not–for–profits, including legal services programs, as well as legal aid, prosecutors and public defenders offices. Half–time or part–time employment may be covered on a pro–rata basis.
The assistance takes the form of reimbursement of a portion of the law school loan repayments that the public-interest graduate made in the previous tax year. Reimbursement is limited to five years and will not exceed 50% of the annual consolidated federal loan payments for the average UNH School of Law graduate.
The Loan Repayment Assistance Program (LRAP) helps ensure that law school graduates with a commitment to public service financially will be able to pursue their chosen career paths, despite relatively low salaries and high student loan obligations.
LRAP funding is available for JD graduates who are practicing law full time in a qualified public interest job. There is a salary cap of $55,000, commensurate with entry-level public/government service jobs. Reimbursement is limited to five years and will not exceed 50 percent of the annual consolidated federal loan payments for the University of New Hampshire School of Law graduate, if they remain in qualifying public interest employment.
The University of New Hampshire School of Law and the Rudman Center are committed to ensuring that the Loan Repayment Assistance Fund remains a reliable resource for graduates who choose careers serving the public interest. UNH School of Law contributes to the fund annually, and actively seeks donations for the program.
To learn about eligibility requirements, loans covered, and how awards are calculated, see the application procedures.
Frequently Asked Questions
Could I be eligible for LRAP assistance other than, or in addition to, UNH School of Law's LRAP? What other LRAP Programs are there? How can I find out about others?
There is no prohibition in the UNH School of Law's LRAP regarding the receipt of other assistance. Some employers and states, as well as the federal government, offer debt assistance to attorneys in certain public interest areas. Further information can be found at www.equaljusticeworks.org.
Are judicial clerkships eligible?
Judicial Clerkships are not currently eligible.
Does everyone who is eligible receive funds?
Loan repayment assistance is not guaranteed for any JD graduates. Selection of the recipients and the amount of the awards depend on the availability of funds.
Who decides whether I will receive assistance?
The UNH School of Law's LRAP Committee, which is appointed annually by the Dean.
How many years am I eligible for assistance through LRAP?
Funds are made available to qualified applicants during the first five years after graduation from UNH School of Law. The time period is tolled during a judicial clerkship. e.g., if you serve as a judicial law clerk after graduation for one year, the 5 year period will begin the year after your clerkship.
Do I have to file a new application each year I need assistance?
Can I apply for loan repayment assistance retroactively?
Retroactive applications are not accepted.
Still have questions? Please contact:
Assistant Dean of Career Services
More information about the John R. Justice Program, Civil Legal Assistance Attorney Student Loan Repayment Program (CLAAP) and loan repayment assistance programs, including state, federal and employer programs, can be obtained at www.equaljusticeworks.org.
LRAP Application Procedures
The Phinney Fund Loan Repayment Assistance Program (LRAP) Application
The application for 2017-18 will be available in the spring.
Applicants must submit the following:
- A completed Loan Repayment Assistance Application;
- Statement(s) from loan creditor(s) verifying all law school loans (copies of loan statements are sufficient); this includes: Federal Stafford, Graduate Plus, Perkins and Private Loans;
- A copy of your and/or your spouse/domestic partner's previous year's federal tax return;
- If you are in private practice, an essay not to exceed two typewritten double spaced pages explaining why you qualify for loan forgiveness
LRAP Application with supporting documents can be e-mailed to Eleanor MacLellan, Assistant Dean for Career Services, University of New Hampshire School of Law at Eleanor.MacLellan@law.unh.edu, or mailed to her at 2 White Street, Concord, NH 03301 by the deadline noted on application.
The Fund covers JD graduates who are practicing law full time in the public interest area. Public interest is defined as: Jobs with federal, state or local governments, qualified not–for–profits, including legal services programs, as well as legal aid, prosecutors and public defenders offices. Half–time or part–time employment may be covered on a pro–rata basis.
Jobs with private law firms generally do not qualify and, if found acceptable, recipients may be required to report loan forgiveness as taxable income. Work undertaken outside the United States may qualify as a public interest job under the terms of the Fund and will be considered on a case–by–case basis by the Fund Committee.
Currently, federal and state court judicial clerkships are not considered qualifying employment under the Fund. However, a graduate continues to qualify on a deferred basis if s/he engages in a state court judicial clerkship, and immediately subsequent to the clerkship engages in qualifying public interest employment.
To qualify for the second disbursement, participants will need to send in a completed Employer Certificate form, a completed Employer Certificate form for the participant's spouse (if applicable), and a completed promissory note later in the year (date TBA).
Length of Eligibility
Graduates are only covered under the plan for five years; deferred years are not included in this five year period.
Graduates with an annual income over $55,000 are not eligible. This amount may change by an amount determined by the Fund Committee in each year.
Income for married graduates will be the greater of the two incomes or one–half of the joint income. A $4,000 allowance for the first dependent child and a $2,500 allowance for each additional child will be made against gross income.
Default/Loan Forbearance or Deferral
For the purpose of receiving funds from this program, a graduate must be making law school educational loan payments. This includes Stafford, Graduate Plus and/or Private Loan payments. Graduates who are in default on educational loans are not eligible to receive funds. Graduates who had deferred or received a forbearance on their loans, must be in repayment status in order to receive loan repayment.
The plan covers all eligible law school loans. Eligible loans (which include Federal Stafford, Graduate Plus, Perkins and Private Law School Loans) are defined as all loans taken to cover the annual law school budget (cost of tuition, books, living expenses, etc.) as determined each year by the Financial Aid Office. Private Bar study loans are also considered eligible loans. The program does not cover private loans from friends and family.
Calculating Annual Awards
The Director of Financial Aid calculates the qualified graduate's debt to income ratio based on the reported debt and income of the graduate and the graduate's spouse (if applicable). The Director then calculates what the graduate's annual loan payment would be, using the rates for 10 year consolidated loans. Qualified graduates are then awarded up to 50% of their annual loan payments. Preference is given to graduates with the highest debt to income ratios and lowest salaries. The amount of the awards is also dependent on the total number of applicants and the funding available.
The LRAP Fund Committee
The Committee will be appointed by the Dean. It will be composed of faculty, staff, alumni and the Dean or his or her designee. The committee will annually review the program and suggest changes as appropriate. Certain features of the program may change over time to reflect the impact of the school and it's experience with the program.
Program qualification and fund distribution is coordinated by the Financial Aid Office and applicants should contact Lynn Froleiks, firstname.lastname@example.org, for more information.
Selection of Recipients
Loan repayment assistance is not guaranteed for any JD graduates. Selection of the recipient and the amount of award depend on the availability of program funds. The Fund Committee retains its discretion to adjust the awards based on the funds available.
Disbursements will be made in the form of a six month forgivable loan that is usually disbursed in January and July. If the participant has remained in qualifying employment, the award is granted 100% forgiveness upon the next disbursement. The loan will be forgiven pro rata if the participant works less than six months in a qualifying position. Upon leaving a qualifying position, any remaining balance due on the loan will be payable in full within six months.
The total amount of dollars committed to the Fund will be reviewed annually. The University of New Hampshire School of Law reserves the right to make any changes in the program provisions and funding in any given year.
Assistance under this plan may be non–taxable under 26 U.S.C. section 108(f) for participants who work for government entities or 501(c)(3) not–for–profit organizations. The University of New Hampshire School of Law is not in a position to give individual advice on these matters; participants should seek their own professional advice.