FAQ and Application
Frequently Asked Questions
What is the deadline to apply?
King Hall graduates can apply for up to three years after graduation. The deadline to receive applications for the January payment period is November 15. The deadline to receive applications for the July payment period is May 15.
How do I apply for the LRAP program?
A complete application consists of the following:
- LRAP Application
- LRAP Employment Certification
- Job description
- Proof of employer 501 (c) tax exempt status to verify employment with a non-profit organization
- Duty Statement to verify employment with local, state or federal government agency
- LRAP Agreement and Certification
- A list of educational debts from the National Student Loan Data System (NSLDS). You will need your FAFSA PIN to access this site
- Documentation from the servicer of each educational debt listed for the applicant and/or spouse. This may be a copy of the repayment agreement, copy of a billing statement or a letter from the servicer. Log on to the Federal Student Aid Servicers for the Direct Loan Program and for Federal Family Education Loan Program (FFEL) Loans purchased by the U.S. Department of Education.
- Most recent signed Federal Tax Return including W-2 and schedules for you and your spouse, if applicable. Request a copy of your federal tax return from the Internal Revenue Service.
Do LRAP participants need to re-apply every year?
Yes, current LRAP participants will need to establish continuing eligibility by submitting to the Law Financial Aid Office no later than May 31 of each year the following:
- LRAP Update Form
- LRAP Employment Certification
- Most recent signed Federal Tax Return including W-2 and schedules for you and your spouse, if applicable
- Proof of student loan payments. Download your loan payment history from the Federal Student Aid Loan Servicers
What qualifies as eligible employment for LRAP?
King Hall graduates who perform law-related work for nonprofit organizations that qualify for tax exemption under IRS Code Sections 501(c), (3), (4), or (5) or who are employed directly by a local, state, or federal government agency.
What loans are eligible under the program?
Federal Stafford Subsidized, Unsubsidized, Graduate Plus, Perkins and Alternative loans. Includes federal loans taken out for undergraduate and other graduate-level study. Bar Study Loans are not eligible.
Can I receive LRAP benefits if my student loans are in deferment or forbearance?
No, loans in deferment or forbearance are not eligible for LRAP.
What is the maximum income to qualify for the program?
The maximum annual income is $60,000. Applicants must report income from all sources.
How is my spouse or partner's income counted?
Married graduates will be treated as having the higher of (a) their respective incomes or (b) one-half of their joint income, whichever is greater. In the event that both partners are eligible for LRAP, their income and debt will be treated separately or as one-half of the total income and debt for each.
I have children. How will this affect my LRAP benefit?
We will reduce your income by $5,000 for each dependent you claim as a tax exemption on your federal tax return.
Is there a maximum number of years I can participate in the LRAP program?
Yes, graduates can receive benefits for a maximum of 10 years of qualifying employment.
Am I eligible to participate if I am currently holding a judicial clerkship?
No, judicial clerkships do not qualify for the LRAP program.
How frequent are payments issued to LRAP participants?
LRAP payments are issued twice during the calendar year in January and July.
How much LRAP benefit will I receive for each payment period?
For program participants with an annual income of $40,000 or less, the LRAP loan will equal the amount necessary to cover all scheduled payments for eligible law school loans. For participants with an annual income greater than $40,000, the amount of Program assistance will be prorated, with participants expected to make an imputed contribution equal to 35% of income above $40,000.
How long must I remain in the program before the LRAP benefits I receive are eligible for forgiveness?
We will forgive your LRAP loan at the end of each twelve-month period after you verify that you continue to work for an eligible employer, your annual income from all sources does not exceed $60,000 and you make payments due on all education loans covered by the program.
What other loan forgiveness programs are available for Public Interest employment?
The College Cost Reduction and Access Act (H.R. 2669 and Public Law 110-84) passed in September 2007 created a new Federal Public Service Loan Forgiveness program. Borrowers repaying federal Direct Loans who work in public service professions (such as jobs in schools, charities, and government) for 10 years can cancel any federal student loan balances that remain after that period. Visit the Department of Education for more information about Public Service Loan Forgiveness.
Please read the LRAP Bylaws for more detailed information. If you have questions the LRAP Bylaws do not address, please call 530-752-6573 or send email inquiries to firstname.lastname@example.org.