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Loan Repayment Assistance Program (LRAP) - JD

USC Gould School of Law

History

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.

Purpose

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

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

Eligibility

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 [PAYE] 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.

Assistance

Income up to $70,000Income greater than $70,000
Receive 100% LRAP assistance40% calculated contribution for difference greater than $70K

Forgiveness Schedule

Amount of Time in Qualifying EmploymentPercentage of LRAP Loan to be RepaidPercentage of LRAP Loan Forgiven
One Year or More; Fewer than Two80%20%
Two Years or More; Fewer than Three50%50%
Three Years or More; Fewer than Four20%80%
Four Years or More0%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.

Other resources to help pay off your student loans

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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