Making Your Investment More Affordable
We know attending law school as a J.D. or graduate student is a significant financial investment. We want to help you find ways to make it more affordable.
At UNH Law, students will find a broad range of merit and need-based scholarships. In fact, the vast majority of admitted students are offered scholarships or grants at the time of admission, and more than 90 percent of students qualify for student loans.
Take advantage of the many resources available to both U.S. and foreign students. Some sites to start with:
Our office of financial aid is ready to assist you. We do everything we can to make UNH Law an affordable investment. We offer individualized counseling with a focus on finding the best way to fund your legal education. Let us help you explore your options.
Cost of attendance and living expenses
- Books and supplies: $1,500*
- Transportation expenses: $3,630*
- Living expenses: $11,000*
- Miscellaneous - includes health insurance and other expenses: $4,747
*These figures are estimates because they are different for each student's circumstances.
Your cost of living is variable. The good news is that housing costs in the immediate Concord area, since it is a small city, are typically lower than a large metropolitan area. About two-thirds of our students live in apartments within walking distance. Others choose to commute from greater distances. Check out the wide range of housing options in the Concord area.
The good news is that you are likely to be offered a scholarship or grant at the time of admission. That’s because at UNH Law the majority of our admitted students qualify for some kind of aid.
Every admitted J.D. student is automatically considered for the following awards:
Our most prestigious scholarship is awarded to top caliber admitted students. This full-tuition scholarship is renewed in full so long as students remain in good academic standing.
The Dean’s scholarship is merit-based and awarded to admitted students with strong academic credentials (LSAT and GPA). Awards range from $2,500 - $35,000 per year. Dean’s scholarships are renewal with good standing.
Awarded to select students from diverse backgrounds who have overcome obstacles/adversity, or have demonstrated unique leadership skills. These grants are renewable as long as the recipient is in good academic standing.
Karl F. Jorda Scholarship
Awarded to highly qualified STEM students who plan to pursue patent law or other IP specialties.
Law Preview Scholarships Sponsored By Lexis Nexis
Law Preview (the nation's largest law school prep course) has teamed up with Lexis Nexis, one of the world’s leading online research providers, to provide Law Preview Scholarships to select members of our entering class. Lexis Nexis has generously agreed to help entering students prepare for the unique challenges they will face during their 1L year at UNH Law by paying the cost of tuition for a law school prep course. Review the Law Preview scholarship information to see if you meet the scholarship criteria.
Additional Scholarships and Grants
Douglas J. Wood Chairman's Scholarships
Wood scholars are selected from rising 2Ls who did not receive merit scholarships upon matriculation and who have demonstrated academic excellence, keen writing ability and service to the law school. The award for a Wood scholarship varies. These scholarships are funded from a donation by 1976 alumnus and former chairman of the board of the UNH School of Law, Douglas J. Wood, through a gift he received for distinguished service to a client.
Endowed scholarships have been established to honor alumni and friends of the UNH Law community and are available to entering and returning students who meet the specific criteria.
The majority of funding for law school is acquired through student loans. Some are granted on a need-based determination. All require a good credit history. See the Loans section for complete information on federal, direct and private loans.
On-campus employment is an option for students.
New England Regional Student Program
The University of New Hampshire participates in the New England Board of Higher Education’s New England Regional Student Program (NERSP). Students with a primary residence in a New England state that does not have a public law school qualify for a tuition discount through this program. Currently, the tuition discount applies to residents of Vermont and Rhode Island. The NERSP tuition rate for J.D. students enrolling at UNH Law in the Fall of 2017 is $39,100.
Two students with an interest in public service are eligible for a full-tuition scholarship, summer stipend for qualified public service and additional leadership training through the law school’s Warren B. Rudman Center.
U.S. Military Veteran/GI Bill®
UNH Law is proud to support our veterans as a Yellow Ribbon participating school.
GI Bill® is a registered trademark of the U.S. Department of Veterans Affairs (VA). More information about education benefits offered by the VA is available at the official U.S. government website.
You may continue your scholarship search at:
Franklin Pierce Center Scholarship
Graduate students must include with their application submission a statement requesting financial aid, which will be reviewed for scholarship assistance.
This award is need-based and awarded to select students who have demonstrated need.
You may continue your scholarship search at:
How Do I Start?
Ninety percent of UNH Law’s admitted students qualify for student loans and the majority of admitted students are offered scholarships or grants.
What’s most important to know is that to be qualified for financial aid, it is imperative you complete an online Free Application for Federal Student Aid, known as the FAFSA . The priority deadline is March 1 and our school code is 002589.
How It Works
For Admitted Students
We begin processing financial aid awards for newly admitted students by early February. Awards are posted on the UNH secure website: WebCat. Scholarships and student loans are posted to your financial aid in two equal installments, half for fall semester, half for spring semester.
For Returning Students
Financial aid awards are processed on a rolling basis beginning in February. Your scholarship, if applicable, and student loans are posted to your student account in two equal disbursements, half for fall semester, half for spring semester.
Financial Aid Application and Loan Documents to be completed:
1. FAFSA: Complete the FAFSA. Our school code is 002589.
You must have a valid PIN and your previous year's income tax information. As a graduate level student, you are considered independent. No parental tax information is required. If you are chosen for verification, you will be notified by the financial aid office. Verification requires providing a copy of your signed federal tax return with W-2s. It is strongly recommended that you use the IRS Data Retrieval Tool (DRT) to include your tax information into the FAFSA.
2. Federal Direct Stafford Unsubsidized Loan Master Promissory Note (MPN): Complete this form and online entrance counseling the first time you borrow a Federal Direct Stafford Loan while attending UNH Law.
You are advised to exhaust Stafford Loan eligibility before borrowing in the Graduate PLUS Loan program.
3. Federal Direct Graduate PLUS Loan Master Promissory Note (MPN): Complete this form and online Entrance Counseling the first time you borrow a Federal Direct Graduate PLUS Loan while attending UNH Law. You also must complete the PLUS Request Process – indicating how much you’d like to borrow. A credit check will be processed on your request and you will be notified immediately if you are approved or if an endorser is required.
4. Alternative Loans: Students should not consider borrowing private student loans until they have exhausted their maximum federal student loan eligibility. The terms and conditions of these credit-based private loan programs vary, and as such, students are encouraged to review the details of the programs before selecting a private loan program.
We offer on-campus employment for students.
The majority of funding for law school is acquired through student loans. Some are granted on a need-based determination. All require a good credit history. Click here for complete information on federal, direct and private loans.
U.S. Military Veteran/GI Bill®
UNH Law is proud to support our veterans as a Yellow Ribbon participating school. GI Bill® is a registered trademark of the U.S. Department of Veterans Affairs (VA). More information about education benefits offered by the VA is available at the U.S. government website.
Loan Repayment Assistance Program
UNH Law is committed to ensuring Loan Repayment Assistance Program (LRAP) funds remain a reliable resource for graduates who choose careers serving the public interest.
Securing funds for your study in the United States can be difficult. Our financial aid office has put together a list of resources to help you through this process.
The following organizations and websites offer some information regarding private loans and scholarships available to international students.
- Colfuturo (Colombian Students)
- Ford Foundation
- International Student Loans
- NAFSA: Association of International Educators
- National Science Foundation
- Rotary International
- Rowe Pan American Fund
- Sallie Mae Soros Foundation
- USA Study Guide
- World Intellectual Property Organization
Exit Counseling Information: J.D. Class of 2016
1. Access your Federal Financial Aid Loan records in the National Student Loan Data System. Make sure your Loan Servicers have your correct address information.
2. You are required to complete online exit counseling for your federal loans. For information about student loan repayment options, call Access Assist at 1-844-755-4357.
3. Your Servicers will be sending you notices regarding your loans. IT IS VERY IMPORTANT FOR YOU TO OPEN WHATEVER IS SENT TO YOU AS YOU MAY BE ASKED TO COMPLETE AND RETURN INFORMATION TO THE LENDER OR THE LOAN SERVICER. FAILURE TO REMAIN IN CONTACT WITH YOUR SERVICERS MAY RESULT IN LOAN SERVICING PROBLEMS, INCLUDING DELINQUENCY OR DEFAULT THAT COULD HAVE BEEN AVOIDED.
4. If you are uncertain who the holder of your loan is check at www.nslds.ed.gov. Remember that you will have multiple lenders/services unless you Consolidate your loans.
5. If you DEFAULT on a student loan, YOUR CREDIT WILL BE DIRECTLY IMPACTED AND the authority of UNH School of Law to offer federal loans for future students may be restricted. UNH School of Law has the authority to offer federal loan eligibility based upon prior default statistics. This privilege can be limited, suspended or terminated by the federal government or private lenders, which would mean future UNH School of Law students would be unable to borrow.
Loan Statistics - J.D. Class of 2016
|Program||Total $||Recipients||Avg. debt per program per recipient||Average debt per program per graduate||Percent of students with this dept|
|Federal Direct Stafford||3,237,792||60||53,963||45,603||84.5%|
|Federal Direct Graduate Plus||2,544,632||49||51,931||35,840||69.0%|
|Number of J.D. Graduates||71|
|Number of J.D. Graduates with Loans||60|
|Percent of Graduates with Debt||84.5%|
|Total Debt for Graduating Class||$5,790,424|
|Average Debt per J.D. Graduate||$81,555|
|Highest Debt Load||$176,610|
|Lowest Debt Load (excluding $0)||$20,000|
There are many websites available to assist in educating you about what is involved in financing your education. To help with your research, we have compiled a list of some of the more popular and useful financial education websites.
National Student Loan Data System (NSLDS)
Get more information on your federal loans.
Named the best online personal finance tool by Money Magazine, PC Magazine and an editor’s choice by PC World, Mint is the U.S. government’s website for financial education. The site includes: Useful information on types of repayment options available. Loan calculators to compare monthly payments for various options.
Public Service Loan Forgiveness
The College Cost Reduction and Access Act of 2007 established a public service loan forgiveness program discharging all remaining debt when someone completes 10 years of full-time employment in public service. The borrower must have made 120 payments as part of the direct loan program in order to obtain this benefit. Only payments made on or after October 1, 2007, count toward the required 120 monthly payments. An employment certification package helps borrowers track their progress toward qualifying for public service loan forgiveness (PSLF). Download the materials.
- The Smart Student Guide to Financial Aid
- FinAid's information on public service loan forgiveness
- Independent source of information about loan repayment and forgiveness programs
- Equal Justice Works: Educational Debt Relief
- Article: Repaying student loans based on income
- Federal Direct Consolidation Loans Information Center
Consequences of Defaulting on a Student Loan
You are responsible for repaying your student loans even if you do not graduate, have trouble finding a job after graduation or were not satisfied with a school you attended. Defaulting on your student loans has serious consequences.
- Obtaining a Deferment or Forbearance and Postponing Repayment
- Obtaining Full or Partial Loan Cancellation or Discharge
Student Loan Consolidation
Ask a Tax Expert
Federal Student Aid Ombudsman of the Department of Education
Loan Repayment Assistance Program
The University of New Hampshire School of Law established the Phinney Fund, our loan repayment assistance program (LRAP), for J.D. graduates who take low paying public interest law jobs. UNH Law recognizes the high debt loads that face many J.D. graduates and wants to enable those graduates to still pursue their public interest law careers.
Perkins or Law Center Loans
The servicer for these loans is ACS. Please contact ACS or call them at 1 (800) 826-4470.
Deferments can be downloaded from this site and sent directly to:
Business Office/University of New Hampshire School of Law
2 White Street
Concord, NH 03301
Identity Theft Information
- Federal Trade Commission on avoiding consumer identity theft
- How to prevent identity theft
- Updates on recent consumer advocacy issues affecting students
Opt Out Prescreen
Opt out of prescreened credit offers for five years or permanently. You may also call 1 (888) 567-8688.