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Loan Repayment Assistance

Our alumni can obtain substantial debt relief by combining the federal government’s loan forgiveness program with USF’s Loan Repayment Assistance Program (LRAP).

With these two programs, JD graduates can pursue public interest or low-paying work and experience significantly reduced monthly payments and, ultimately, loan forgiveness.  We encourage you to explore each of these programs, and how they relate to each other, below. Please contact our Financial Aid Administrator at lawfinaid@usfca.edu for more information.

Federal Income-Based Repayment Program

We strongly encourage all low-income graduates concerned about loan repayment to review and consider enrolling in the federal income-based repayment programs, Income Based Repayment (IBR) or Pay-As-You-Earn (PAYE), that could substantially reduce monthly loan payments.  These programs assist borrowers by limiting repayment amounts based on salary and family size.  In addition, graduates should consider the Federal Loan Forgiveness Program, which can lead to complete loan forgiveness (after 10 years of public service, or 20-25 years of low-income work).  Graduates do not have to work in public service to be eligible for IBR, PAYE, or the long-term loan forgiveness programs.  More information is available on the USF School of Law Federal Loan Debt Relief page.

USF Keta Taylor Colby Loan Repayment Assistance Program

The School of Law offers additional loan repayment assistance to graduates pursuing public interest work.  The Keta Taylor Loan Repayment Assistance Program (LRAP) is designed to enable students with significant loan burdens to pursue careers in public interest law.

Eligibility for Program participation is based on six factors: 

  1. date of Juris Doctor degree
  2. employment in a qualifying public interest position
  3. total projected annual income
  4. monthly repayment schedule of outstanding educational debt
  5. length of time in the Program
  6. available Program funds 

As of Fall 2012, participating graduates have two LRAP program options:  

  • Option 1 is our traditional LRAP program. Available only to students who started law study in Fall 2012 or earlier.  
  • Option 2 provides additional loan repayment benefits for students who have enrolled in the federal government’s income based programs (IBR or PAYE, see above).  Students enrolling in law study Fall 2013 or later will have only Option 2 or a similar income based program.
The primary differences between the two options are:

(1) Eligibility threshold:
  • Option 1 (Traditional): $60,000 annual income
  • Option 2 (income based): $65,000 annual income

(2) Applicant’s expected contribution toward loan repayment:

  • Option 1 (Traditional): 10 % of income
  • Option 2 (income based):
    • Applicants earning less than $50,000: full reimbursement of IBR/PAYE monthly payments.
    • Applicants earning $50,000-$65,000: graduate pays 35% of income over $50,000 toward IBR/PAYE payments; School of Law pays the remainder.
    • Private loans: IBR or PAYE includes only federal loans, not private loans. The Law School will assist repayment of private loans in a manner similar to the traditional LRAP program; see program guidelines for details.

Option 1 Guidelines

Option 2 Guidelines

Application Form for 2014 Funding