Student Debt Relief
- John R. Justice Student Loan Repayment Program
- CCRAA – Public Service Loan Forgiveness
- Law School LRAPs
- Student Debt
- CCRAA – Income-Based Repayment
- Law School Grants and Scholarships
- Law School Tuition and Fees
- Employer-Based LRAPs
- State-Based LRAPs
- Public Service Salaries
- Non-Legal LRAPs
- Webinars
- Civil Legal Assistance Attorney Student Loan Repayment Program
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Student Debt Relief
Featured Resources
Podcast: Get full credit for loan payments
Public Service Loan Forgiveness cancels the remaining balance on Federal Direct loans after 10 years of qualifying monthly payments. This six-minute podcast explains what constitutes a qualifying monthly payment.
Student Debt Relief Webinar Series
Getting Your Student Loans Forgiven: How government and nonprofit employees can earn public service loan forgiveness
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Employer-Based Loan Repayment Assistance Programs
SUB-TOPICS
This Resource Includes
Some employers provide Loan Repayment Assistance Programs for the benefit of their employees with student debt. Such programs exist at some non-profit and government employers, and are typically designed with the goal to recruit and retain qualified staff.
Facts about Employer Based LRAPs from the Biannual NALP Survey
NALP (the National Association for Law Placement)- 77 organizations report having an LRAP program (55 civil legal services organizations, 5 public defender offices, 5 local prosecuting attorney offices, 1 attorney general’s office, 11 public interest organizations)
- 789 attorneys are reported to have received an award in the most recent fiscal year
- $2,400 is the median average amount awarded per attorney
Source: Public Sector & Public Interest Attorney Salary Report, 2008 NALP.
Loan Repayment Assistance for Employees of Federal Agencies
Federal agencies are authorized by statute to set up loan repayment assistance programs to recruit and retain highly qualified employees. In fiscal year 2007, 582 attorneys working in 20 different federal agencies received loan repayment assistance benefits (the Department of Justice provided benefits to 193 attorneys and the Securities and Exchange Commission provided benefits to 188 attorneys).Tax Treatment
Typically, benefits received under an employer-based LRAP are taxable income to the recipient. Unlike law school based and government LRAPs, employers are not able to structure their programs as forgivable loans as needed to exempt benefits from taxation. See Tax treatment of law school LRAPs and tax treatment of Public Service Loan Forgiveness.
Listing of Employer Based LRAPs from Legal Services Corporation
The Legal Services Corporation provides a listing of loan repayment assistance programs offered by its grantee organizations including abstracts of program characteristics and program administrator contact information.Tools
- Student Debt Podcast Series stream, download or subscribe for tips and tools on coping with student debt.
- Student Debt Forum: a place to post questions, receive answers, and join discussions with others concerned about student debt.
- The Equal Justice Works Guide to Law Schools a free interactive online resource of public service opportunities, curricula and financial programs at more than 150 law schools in the United States.
- Financing the Future: Responses to the Rising Debt of Law Students a study detailing the characteristics of loan repayment assistance programs.
External Links & Resources
- PSLawNet - Online resource connecting public interest law job-seekers with job opportunities in the public interest arena, in government, at law schools, and around the globe. Includes “Opportunities" and "Organizations" databases.
- The National Legal Aid & Defender Association is a national professional membership organization for those who provide legal assistance to the poor.
- Legal Services Corporation funds 137 legal aid programs with over 900 offices around the nation to help poor Americans gain equal access to the judicial system.
This Directory was last updated on April 01, 2009. Each entry in the Directory is verified and updated at least annually.