Loan Repayment Assistance Program (LRAP) - JD

Created in 1987, the USC Gould LRAP was one of the first amongst a small group of law schools to create a loan repayment assistance program for JD graduates. USC Gould LRAP has remained competitive with its peer schools in providing a generous and comprehensive LRAP.

Created to aid in supporting USC Gould JD graduates with the following goals in mind:

To enable graduates to select their employment without having options precluded due solely to financial difficulty.
To encourage Law School JD graduates to choose public interest or public service employment.

The following are some of the key eligibility requirements:

Full-time employment as an attorney for a non-profit or government agency (local, state, federal).
Enroll in an income-driven repayment plan for all student loan debt (undergraduate included).
LRAP enrollment must occur no later than five years post-graduation, and assistance is provided for up to 10 years maximum.

Income up to $100,000	Income greater than $100,000
Receive 100% LRAP assistance	40% calculated contribution for difference greater than $100K

Amount of Time in Qualifying Employment	Percentage of LRAP Loan to be Repaid	Percentage of LRAP Loan Forgiven
One Year or More; Fewer than Two	80%	20%
Two Years or More; Fewer than Three	50%	50%
Three Years or More; Fewer than Four	20%	80%
Four Years or More	0%	100%

The LRAP year runs from October 1 to September 30 and a new application for assistance is required annually. You may view the application and guidelines here.

Public Service Loan Forgiveness

Who Qualifies: Public service workers with Federal Direct Unsubsidized (Stafford), Grad PLUS, or consolidation loans in the Direct Loan program.
What Could You Get: Full loan forgiveness after 10 years of income sensitive on-time payments.
More Information

Equal Justice Works (EJW)

Equal Justice Works provides Student Debt Resources to include factsheets, pamphlets, free interactive webinars, and other information about managing student loan debt, along with loan repayment assistance and forgiveness programs.

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Loan Repayment Assistance Program (LRAP) - JD

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Eligibility

Assistance

Forgiveness Schedule

Other resources to help pay off your student loans

Public Service Loan Forgiveness

Equal Justice Works (EJW)

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