Loan Repayment Assistance Program (LRAP)
A primary mission of UC Irvine School of Law is to encourage and support J.D. students and graduates who are dedicated to a career in public service law. To help achieve this goal, the Law School has a Loan Repayment Assistance Program intended to expand the career options of UCI Law graduates by removing the financial burden created by federal education loans, including undergraduate and law school loans.
Below is a brief program overview. For detailed information, please carefully review the Program Guidelines (PDF).
- Application Procedure: An application for the LRAP loan is required before each new LRAP eligibility period.
- Apply now: September 1st - November 1st (for January – December eligibility period)
- Eligible J.D. Graduates: LRAP will be available for all graduates of UCI Law, beginning with the Class of 2013. Those in the Class of 2012 seeking LRAP assistance must contact Nasreen Zia, Director of Student Financial Services.
- Period of Eligibility: J.D. Graduates seeking to participate in LRAP must begin participating in the program within 3 1⁄2 years (42 months) of their graduation date.
- Program Length: J.D.Graduates may participate in LRAP for up to 10 years.
- Federal Government Loan Forgiveness: Currently, the Federal Government has the Public Service Loan Forgiveness Program (PSLF) to forgive all federal student loans held after 10 years. As a result of the two programs, UCI Law graduates who work in qualifying employment, and whose income remains within the LRAP eligibility guidelines, will have all federal loan payments reimbursed under LRAP for the first 10 years, and then will have the remaining principal balance of their federal loans forgiven by the federal government.
- Qualifying Work: Qualifying employment is defined as full-time paid work for a nonprofit organization or a government agency in law-related employment, which means a J.D. degree must be required or the position must rely heavily on law school training.
- Income Limits: J.D. Graduates with an income of $60,000 or less are eligible for full repayment assistance. Graduates earning between $60,000 and $80,000 are eligible for prorated assistance with participants expected to make an imputed contribution equal to 35% of their income above $60,000.
- Qualifying Loans: LRAP at UCI Law will provide loan repayment assistance of all federal student loans incurred during law school as well as those incurred during undergraduate or through other graduate programs prior to attending law school.
- Forgivable Loan: Through LRAP, the Law School loans graduates the funding to cover their federal student loan payments as long as the graduate remains employed in an eligible public service position. The loan is provided in twelve-month increments and is renewable every twelve months as long as the recipient remains eligible. Every twelve months, recipients will be required to submit an application to prove ongoing eligibility, and submit a forgiveness application, which provides proof of payment of federal Loans. Upon proof of payment, the participant's loan for the prior twelve months will be forgiven.
- Loan Repayment Terms: LRAP will provide repayment for federal loans at the loan repayment rate calculated under the Income Driven Repayment (IDR) options: Income Based Repayment (IBR) or Pay As You Earn (PAYE).
- Questions: Please contact Nasreen Zia, Director of Student Financial Services, or Anna Davis, Director of Public Interest Programs, or email firstname.lastname@example.org with any questions regarding LRAP at UCI Law.
Please review the Program Guidelines (PDF) for details about LRAP at UCI Law.