Paying for Law School: A Preliminary Guide (PDF)

Law School Admission Council

Paying for Law School:

A Preliminary Guide

egal education is an investment in your future and

is a serious ﬁnancial investment as well. As with any

investment, it is important to consider the pros and

cons of entering into such a large expenditure of effort,

time, and money. Particularly in uncertain ﬁnancial

times, a realistic assessment of why you are seeking a

legal education and how you will pay for it is critical.

The single best source of information about ﬁnancing

a legal education is the ﬁnancial aid ofﬁce (or the

website) serving any LSAC-member law school.

LSAC.org provides links to many law schools as well

as several good sources of ﬁnancial aid information.

The cost of a law school education could exceed

$150,000. Tuition alone can range from a few thousand

dollars to more than $50,000 a year. When calculating

the total cost of attending law school, you also

have to include the cost of housing, food, books,

transportation, and personal expenses. Law schools

establish a Cost of Attendance (COA) that includes

both the ﬁxed costs of tuition and fees and allowances

for your living expenses. It represents the maximum

ﬁnancial aid you may receive from any source for the

academic year.

Today, a large majority of law school students rely

on federal education loans as their primary, but not

exclusive, source of ﬁnancial aid for law school. These

loans must be paid back with your future income, and

the more you borrow, the longer the debt may have an

impact on your life after graduation.

Federal education loans offer the most ﬂexible

repayment options, including the Income-Driven

Repayment (IDR) plans in which your monthly payment

can be equal to 10 percent of your household’s

discretionary income rather than based on the

amount of your total student loan debt. They also

provide more opportunities for payment relief than

loans funded by private or institutional sources.

Although private and institutional sources of loan

funding may be available, these sources typically are

used primarily by students who are not eligible for

federal student loans. The amount and types of loan

funding you are eligible to borrow will be determined

by ﬁnancial aid staff serving the school you attend

based on the COA at that school, federal regulations,

and institutional policies.

When considering federal education loans,

it is best to:

•

Borrow the minimum amount possible to attend

the law school you choose

• Borrow federal loans ﬁrst

•

Avoid private student loans, unless you are an

international student and therefore not eligible for

federal student loans

Scholarships, grants, and fellowships exist, but

are limited. Some students are offered part-

time employment through the federal work-

study program in their second and third years of

law school. First-year students are expected to

concentrate fully on schoolwork, with an ABA-

mandated limitation on the number of hours

full-time law students are permitted to work.

Changes in ﬁnancial aid rules and regulations are

ongoing, and law school policies vary. Therefore, it

is your responsibility to stay current and to educate

yourself about ﬁnancial aid in much the same way that

you research law schools when deciding where to apply.

Introduction

INVESTING IN A LEGAL EDUCATION

Today, a large majority of law

school students rely on education

loans as their primary, but not

exclusive, source of ﬁnancial aid

for law school.

ou are eligible to receive ﬁnancial aid, if needed,

in an amount not to exceed the COA established

by the law school you attend for the academic year.

COA includes tuition and fees, books and supplies, as

well as living expenses, transportation, and personal

expenses. It is set by the law school and will vary by

school. Consumer debt is not included in your COA

and should be paid before you attend law school.

The ﬁnancial aid ofﬁce serving the law school will

review your ﬁnancial aid application materials and

calculate your eligibility for the various forms of

ﬁnancial aid from all sources. It is important to carefully

review your ﬁnancial aid award and to understand

the terms and conditions of all aid offered to you. All

applicants for federal student aid (including loans) must

complete the Free Application for Federal Student

Aid (FAFSA). If you plan on enrolling in law school at

the beginning of the fall term, you can apply for federal

ﬁnancial aid using the FAFSA beginning October 1 of

the prior calendar year.

If your ﬁnancial circumstances change after you

complete and ﬁle your ﬁnancial aid forms, notify the

ﬁnancial aid ofﬁce serving the law school so that your

ﬁnancial aid award can be revised if necessary.

Independent/Dependent Status

All graduate and professional school students are

considered ﬁnancially independent of their parents

for the purposes of determining federal aid eligibility.

This means that for the purpose of applying for federal

aid (including federal loans), submission of parental

information is not required. Law schools, however, may

require parental ﬁnancial information for institutional

grants and scholarships. You should be aware that

law schools have speciﬁc policies and procedures

regarding independent status for the allocation of

institutional funds. These guidelines will vary by school.

You should investigate those guidelines for all the

schools you are interested in attending.

The ﬁnancial aid ofﬁce serving the law school will

notify you of your ﬁnancial aid eligibility once all

application materials have been received and

processed if you have been admitted to the school.

You may be eligible for several different types of

aid, which may be available to bring the cost of

attending law school within reach. The amount of

aid you receive in each category will depend on

your own resources, current federal regulations, and

the ﬁnancial aid policies and resources of each law

school. But remember, the total amount of ﬁnancial

aid you are eligible to receive (including loans)

cannot exceed — but can be equal to — the total

COA for the academic year calculated by the school.

So, funding should be available to attend whatever

school you choose regardless of your current

ﬁnancial circumstances.

Credit

The Federal Direct Graduate PLUS and private

loans are approved on the basis of your credit (more

information on Federal Direct Graduate PLUS loans

can be found on page 4). If you have a poor credit

history, you may be denied a loan. If there is a mistake

on your credit report — and there are sometimes

mistakes — you will want adequate time to correct

the error. It is essential to clear up errors or other

discrepancies before you apply for a Federal Direct

Graduate PLUS or private student loan.

You may want to obtain a copy of your credit report

so that you can track and clear up any problems. You

can obtain your free copy from one of the major credit

reporting agencies online at annualcreditreport.com.

You may also mail a request to:

Central Source LLC

PO Box 105283

Atlanta GA 30348-5283

Determining

FINANCIAL AID ELIGIBILTY

Apply Early

FINANCIAL AID OPTIONS

Scholarships and Grants

scholarship or grant is funding that does not have to be

repaid. It may be given on the basis of need, or merit,

or both. Most scholarships are conferred by individual law

schools. Some organizations may also have scholarships

to offer. Among them are local bar associations;

fraternities, sororities, and other social clubs; religious

or business organizations; and the U.S. Department

of Veterans Affairs. The availability of scholarships

and grants is limited, but worth researching. Law

school admission and ﬁnancial aid ofﬁces can provide

information about the resources available. Be aware

that many scholarships and grants are merit-based and

may require a certain level of academic performance for

continuation. Some schools award merit money shortly

after admission, while others may require separate

scholarship application forms. Some schools award

need-based institutional grant aid. Conﬁrm with each

school what application materials are required and the

deadline for submitting those materials. Apply early for

all institutional aid from law schools.

A number of companies offer tuition reimbursement

beneﬁts to their employees and to their employees’

dependents as well.

Federal Loans

• Federal Direct Unsubsidized Loan

Law students may currently borrow up to a total

of $20,500 in the Federal Direct Unsubsidized

Loan program each academic year from the U.S.

Department of Education. Information about

the interest rate and fee structure for this loan is

available at studentaid.gov. Interest starts accruing

as “simple” interest (it is not compounding while

you are in school) once the loan is disbursed. This

loan has a six-month grace period that delays

the start of repayment until six months after you

graduate. Flexible repayment plans exist, including

options based on your household income; payment

relief (deferment or forbearance) is available

when needed if you are experiencing ﬁnancial

hardship during repayment; and reﬁnancing is

possible through the Federal Direct Consolidation

Loan program. This loan also qualiﬁes for potential

forgiveness in the Public Service Loan Forgiveness

(PSLF) program.

•

Federal Direct PLUS Loan for Graduate Students

(Grad PLUS)

Law students with no adverse credit may borrow

the Federal Direct Grad PLUS Loan from the

U.S. Department of Education to help cover their

education costs. If you do have adverse credit, you

can apply with an “endorser,” who must be a U.S.

citizen or permanent resident and who does not

have adverse credit. You can borrow this loan in an

amount up to the school’s Cost of Attendance (COA)

minus the amount of all other ﬁnancial aid you are

receiving (including scholarships, grants, and all

other loans) for the academic year. As with the Direct

Unsubsidized Loan, interest accrues as “simple”

interest once funds are disbursed. Repayment of

this loan is deferred while you are in school and for

six months after you are no longer enrolled at least

half-time in law school. Flexible repayment plans

exist, including options based on your household

income; payment relief (deferment or forbearance)

is available when needed if you are experiencing

ﬁnancial hardship during repayment; and reﬁnancing

is possible through the Federal Direct Consolidation

Loan program. This loan also qualiﬁes for potential

forgiveness in the Public Service Loan Forgiveness

(PSLF) program.

Apply early for all institutional

aid from law schools.

Private Loans

A number of private loan programs are available to credit-worthy borrowers who are not eligible for federal student

loans. Some lenders also offer postgraduate loans for bar-review study. Eligibility is based on your credit history

and the lending institution’s willingness to lend. Information regarding private loans can be found at ﬁnaid.org.

Terms and conditions vary greatly. Pay attention to the explanations in loan application brochures and consumer

information. You can also contact the individual programs or visit their websites for further details.

Always borrow the minimum needed to attend your chosen school. Borrow federal loans ﬁrst, if available.

Federal Work-Study

Federal Work-Study is a program that provides funding for full-time students to work part time during the school

year and full time during the summer months. Students sometimes work on campus in a variety of settings or in

off-campus nonproﬁt agencies. Students are encouraged to limit their paid employment to no more than 20 hours

per week during the academic year after their ﬁrst year in law school. (Full-time students are discouraged from

part-time paid employment during the ﬁrst year so that they can focus on performing as well as possible on their

coursework.) Additional information is available from the ﬁnancial aid ofﬁce serving a participating law school. Not

all law schools participate in the Federal Work-Study program.

Veterans Educational Assistance

The U.S. Department of Veterans Affairs administers a number of educational beneﬁt programs for veterans. These

include, but are not limited to, the Montgomery GI Bill and the Post-9/11 GI Bill (9/11 GI Bill). The 9/11 GI Bill assists

eligible individuals with tuition and fees, a monthly housing allowance, an annual books and supplies stipend, and a

one-time rural beneﬁt payment for eligible individuals. In addition to the 9/11 GI Bill providing an education beneﬁt for

eligible veterans, the education beneﬁt may also be transferred to dependents under certain conditions.

The 9/11 GI Bill also has a provision that established the Yellow Ribbon Program, which assists with funding tuition

and fee expenses not covered by the 9/11 GI Bill. The beneﬁts are exclusively for eligible veterans; the Yellow Ribbon

beneﬁts cannot be transferred to dependents. For more information on veterans educational assistance, check with

the U.S. Department of Veterans Affairs and the veterans beneﬁts coordinator on the campuses of the law schools

to which you are applying.

Note: All loan terms are based on current federal statutes/regulations, and are subject to change.

Photo above: Future law student researching scholarship opportunities on LSAC’s website

Applying for Aid

STEP BY STEP

Here is a list of steps you must take to apply

for ﬁnancial aid.

The ﬁnancial aid ofﬁce serving the law school will

review your ﬁnancial aid application materials and

calculate your eligibility for the various forms of

ﬁnancial aid from all sources. It is important to

carefully review your ﬁnancial aid award package

and to understand the terms and conditions of all

aid offered to you.

If You Are Applying for Federal Aid

1. The ﬁnancial aid process begins with the

gathering of information about the speciﬁc

ﬁnancial aid application procedures and

deadlines for the law schools that you are

interested in attending. You should not wait until

you receive admission to begin the process. In

fact, you should be investigating the ﬁnancial aid

procedures and deadlines as you are investigating

the admission application requirements.

2. File your federal income tax returns as early as

possible each year, if you are required to ﬁle a

return. Schools may want to see a copy of your

actual tax return, so be sure to keep a photocopy

for your ﬁles. The FAFSA requires information that

is requested directly from your federal income tax

return. You can ﬁle the FAFSA for an upcoming

academic year beginning October 1 of the prior

calendar year. You can submit the FAFSA anytime

after that date — the earlier, the better.

3. Complete your FAFSA online at fafsa.gov.

FAFSA is a need-analysis tool developed by the

U.S. Department of Education. As the name

implies, there is no charge for the collection and

processing of data or the delivery of ﬁnancial aid

through this form. So, do not pay anyone to help

you complete or process your FAFSA. If you need

help ﬁlling out the application, contact the ﬁnancial

aid ofﬁces serving the law schools to which you are

applying for assistance.

• When completing the FAFSA form, you

will designate the names and school codes

of up to 10 law schools to which you are

applying. Additional schools may be added

once the FAFSA is processed. Information on

school codes is available from the ﬁnancial

aid ofﬁces serving the law schools to which you

are applying or at fafsa.gov.

• The FAFSA form asks for information about your

income, assets, and other ﬁnancial resources.

Be sure to answer “yes” to the following two

questions:

• Are you a graduate or professional student?

• Have you completed a bachelor’s degree

by July 1 of the year you will be attending

law school?

Again, all graduate and professional students

are considered ﬁnancially independent of their

parents for the federal loan programs.

4. The ﬁnancial aid staff serving the law schools

to which you apply will determine the type and

amount of ﬁnancial aid you are eligible to receive

for the academic year. The amount offered by

each law school will vary because costs vary from

school to school. You will receive notiﬁcation of

your ﬁnancial aid package once all information

has been received, if you have been offered

admission to the school.

5. Once you determine the school that you will

attend, you will need to apply for any loan funding

you need to borrow. Follow the instructions

provided by the school to complete the required

loan application materials. Remember, you cannot

borrow more than what the ﬁnancial aid staff has

determined you are eligible to borrow. Also, you

should borrow the minimum amount needed to

attend the school you have chosen.

If You Are Applying for Institutional Scholarships and Grants

Call, write, email, or visit the websites of the ﬁnancial aid ofﬁces serving the law schools to which you are

applying. Determine if the school requires any applications or documents in addition to the FAFSA and

admission application materials in order for you to be considered for ﬁnancial aid, including any scholarship

or grant funding they offer to students. You may need to complete an institutional ﬁnancial aid application

or an additional fee-based application such as the College Scholarship Service (CSS) Proﬁle. The school also

may require you to provide ﬁnancial information from your parents if they offer need-based scholarship/

grant funding. In addition, be aware of any application ﬁling deadlines — many schools do have priority

deadlines for receiving the ﬁnancial aid application materials.

The ﬁnancial aid ofﬁce serving the law school will review your ﬁnancial aid

application materials and calculate your eligibility for the various forms of

ﬁnancial aid from all sources. It is important to carefully review your ﬁnancial

aid award package and to understand the terms and conditions of all aid

offered to you.

Photo above: Law school candidate researching institutional scholarships and grants

Before Law School

CAREFUL PLANNING

evelop your ﬁnancial strategy before you enter law school — create your plan. If possible, pay off any

outstanding consumer debt. Save as much money as you can to reduce the amount you will need to borrow.

Have a plan for meeting the expenses of your legal education and anticipate what portion of the plan will be based

on borrowing. It is also important that you have a good credit history.

Because at least a portion of your ﬁnancial aid is likely to come from loans, you can expect to graduate from law

school with debt to repay. Keep accurate records of all loans you borrow during your enrollment in law school; this

will help you manage repayment of those loans when you complete your education. A good resource for tracking

all your federal student loans is studentaid.gov, the federal student aid web portal created by the U.S. Department

of Education, where you can view a complete history of your federal student loans.

You are required to complete entrance counseling prior to the ﬁrst disbursement of a Federal Direct Unsubsidized

or Federal Direct Graduate PLUS loan in a new degree program. You also are required to complete exit counseling

prior to leaving school. The ﬁnancial aid ofﬁce serving the law school will instruct you on how to complete these

loan-counseling requirements. You may need to do so online or during in-person meetings at the law school.

Information about the loan terms, repayment obligations, payment options, sample payment schedules, and other

important information about managing loan repayment will be provided to you during this counseling activity.

Because at least a portion of your ﬁnancial aid is likely to come from loans, you can

expect to graduate from law school with debt to repay. In essence, you will end up

with an“education mortgage.” This “mortgage” represents the ﬁnancing you will need

to make this investment in yourself. But, it still is important to borrow wisely.

Photo above: Future law student researching loan options

While in Law School:

LIVING ON A BUDGET

ince loans are often a major funding source that

students use to pay for law school, it is important to

think about how much you should borrow. It should be

the minimum amount you need to attend the law school

you choose and to achieve your goal of becoming a

legal professional. Determining that amount requires

that you estimate your in-school budget to determine

how much law school will cost for you. Then you need to

estimate how much you will be able to contribute from

your own resources (and from your family) as well as any

scholarship or grant funding you expect to receive. The

difference between what it will cost and what you have

from these sources should represent the amount

you will need to borrow to ﬁll the funding gap — and

hopefully, it is less than what the school has indicated

you are eligible to borrow. The amount of loan

funding included on your ﬁnancial aid notice from the

school is not prescriptive — it is not what you should

borrow — but rather, it represents the maximum

amount you are eligible to borrow based on the

information you provided in your ﬁnancial aid application

materials, the Cost of Attendance for the school you

choose, current federal regulations, and school policies.

The maxim “Live like a student now or you will live like

a student later” is a good one to remember. Consult

the Cost of Attendance (COA) for each school you

are considering to obtain an estimate of the living

expenses you might incur to attend that school for

the academic year. Doing so will allow you to estimate

your budget accordingly. Track your current spending

habits and compare them to the COA at those schools.

To reduce spending, consider sharing housing costs

with a roommate rather than living alone while in law

school (check with the school to see if they offer any

assistance in ﬁnding a roommate). And watch what you

spend on food and entertainment. These expenses

often can be budget busters. Bring your lunch rather

than buying it on campus each day. While law school

may be an excellent long-term investment, you will

have to repay what you borrow (with interest), so

borrow wisely. Remember, not all legal professionals

earn the highest salaries.

Photo above: Future law student planning their ﬁnancial strategy for paying for law school

Remember...

You also will need funds to cover your living

expenses during the summers between each year

of law school and as you prepare for and take the

bar exam after you graduate. You cannot receive

“extra” ﬁnancial aid to cover these expenses,

so make certain you account for them as you

decide how much to borrow each academic year.

You may need to use your savings or earnings

from employment for these summertime and

postgraduate expenses. Also note that current

federal regulations do not allow schools to include

the cost of repaying your prior consumer debt (such

as credit card debt) in Cost of Attendance, so it is

important to pay off any existing consumer debt

before you start law school, if possible. However,

repayment of your prior education loans should be

eligible for deferment while you are in school.

Interest on Direct Unsubsidized and Direct

Graduate PLUS loans accrues from the date funds

are disbursed. It accrues as “simple” interest; it

is not compounding while you are in school. The

accrued interest will be capitalized (added to the

principal loan balance) when the loans enter or

reenter repayment (six months after you are no

longer enrolled at least half-time in law school).

As such, you will not be paying “interest on the

interest” while you are in school.

You will not have to start repaying the federal loans

you borrow to attend law school until at least six

months after you are no longer enrolled at least

half-time in law school. You also should be able

to defer repayment of any federal (and perhaps,

private) student loans you borrowed prior to

enrolling in law school. Contact the loan holder or

servicer of any prior student loan to investigate your

deferment or forbearance options and to learn how

to pursue those options.

Photo above: Law school candidate considering the ﬁnancial aid options available to fund their legal education

Choice and Flexibility:

LOAN REPAYMENT OPTIONS

Your income after law school is an important factor

in determining what constitutes manageable

payments on your education loans. Although it may

be difﬁcult to predict what kind of job you will get

(or want) after law school, or exactly what kind of

salary you will receive, it is important that you make

some assessment of your goals for the purpose of

sound debt management. The money you borrow

will be paid back from your future earnings. This

could have a signiﬁcant impact on your lifestyle if

you do not understand your payment options and

plan for repayment strategically after you graduate.

In addition to assessing expected income, you

must also create a realistic picture of how much

you can afford to pay back on a monthly basis while

maintaining the lifestyle that you desire.

You may have to adjust your thinking about how

quickly you can pay your loans back, how much

money you can afford to borrow, or how

extravagantly you expect to live in the years

following your graduation from law school.

Your education loan debt represents a serious ﬁnancial

commitment that must be repaid. A default on any

loan engenders serious consequences, including

possible legal action against you by the lender

or the government, or both.

Federal loans offer a variety of ﬂexible payment

options including ﬁxed, graduated, extended, and

income-driven repayment plans that lower monthly

payment amounts but increase the number of years

of repayment. The Federal Direct Consolidation Loan

allows students to reﬁnance any of their existing

eligible federal student loans on an extended

repayment schedule, lasting up to 30 years.

Be strategic when repaying your federal student

loans. Understand the repayment options that are

available and take advantage of the ﬂexibility that is

available when deciding how to manage repayment.

Learn more about repayment and check out the “Loan

Simulator” that is available from the U.S. Department

of Education at studentaid.gov.

Strategies for Graduates Seeking Public

Service Careers

Students who seek to work in public service face

special challenges in ﬁnancing their legal education

because salaries for such jobs are often lower

relative to comparable work in the private sector.

Students graduating from law school with the

average amount of indebtedness may ﬁnd that the

average entry level public sector or public interest

salary will not provide the resources needed to

repay their law school loans while at the same time

affording their basic living expenses.

Students can employ a number of strategies to make

it easier (or possible) to pursue a career in government

or public interest law. First, students can borrow less

during law school (attend a lower-tuition institution;

follow some of the debt management strategies

mentioned here). Students may also take advantage

of programs developed at some law schools to relieve

the debt burden for those interested in public service

careers, including fellowships, scholarships, and

loan repayment assistance programs (LRAPs). LRAPs

provide ﬁnancial assistance to law school graduates

working in the public interest sector, government,

or other lower-paying legal ﬁelds. In most cases, this

aid is given to graduates in the form of a forgivable

loan to help them repay their educational debt.

Upon completion of the required service obligation,

schools will forgive or cancel these loans for program

participants. The number of law schools sponsoring

LRAPs is limited. Most schools are unable to

provide assistance to all applicants. LRAPs are also

administered by state bar foundations, public interest

legal employers, and federal and state governments

to assist law graduates in pursuing and remaining in

public interest jobs.

Additional Options

In addition, the Income-Driven Repayment (IDR) plans — such as Revised Pay As You Earn (REPAYE), Pay As You

Earn (PAYE), and Income-Based Repayment (IBR) — also provide borrowers of federal student loans (including

those pursuing a legal career in public service) with more affordable repayment options. Monthly payments

under these payment plans are based on a percentage of your household’s adjusted gross income (AGI) and

your family size rather than on the amount of your federal student loan debt.

The IDR plans are intended to provide greater ﬁnancial ﬂexibility and affordability in hopes that your federal

student loan debt does not prevent you from pursuing a career in public service. Please check with the ﬁnancial

aid ofﬁce serving the law school or directly with the U.S. Department of Education at studentaid.gov for more

information about the IDR plans.

The Public Service Loan Forgiveness (PSLF) program also provides a repayment beneﬁt once you complete 120

months of qualifying public service. The PSLF program allows borrowers who are paid employees of qualifying

government or nonproﬁt organizations, and who are making qualifying payments using one of the IDR plans, to

have their outstanding balances forgiven on their Federal Direct loans after 120 months of qualifying public service

employment and qualifying payments. Please check with the ﬁnancial aid ofﬁce serving the law school or directly

with the U.S. Department of Education at studentaid.gov/publicservice for details on the PSLF program. Also

check out the “PSLF Help Tool” at studentaid.gov/pslf.

Note: All loan terms are based on current federal statutes/regulations, and are subject to change.

Federal loans offer choice, ﬂexibility, and safety during repayment so that

you can repay all that you borrow and achieve your other ﬁnancial goals.

Photo above: Future law student considering the many ﬁnancial aid options available to help pay for law school

As you speak with representatives from law schools,

here are some of the questions you should ask as

a prospective law student:

• Are there forms/application materials in addition

to the FAFSA that I must complete for your school in

order to receive ﬁnancial aid?

• Does your school have a priority deadline

for the FAFSA and other ﬁnancial aid

application materials?

• Does your school consider parental ﬁnancial

information when determining eligibility for

institutional scholarships or grants? If so, how

do I provide that information to your school?

• What options are available to me if I am not

eligible for federal student aid including federal

student loans?

• What is the current Cost of Attendance (COA)

and what does it include?

• What kinds of scholarships are available? (Speciﬁcally,

ask about merit- and need-based scholarships.)

• What is the average amount borrowed by your

recent graduates?

• Do you have a Loan Repayment Assistance Program

(LRAP) for graduates who pursue a career in public

service after graduation?

• Will I be able to work during law school?

Are there any on-campus jobs or work-study

positions available?

• What is the job placement rate at your law

school, and what is the salary range for your

recent graduates?

In addition to the websites of the individual law

schools (which can be accessed through LSAC.org),

the following U.S. Department of Education sites

may prove helpful:

• Free Application for Federal Student Aid

fafsa.gov

• Information and resources regarding the

Public Service Loan Forgiveness program

studentaid.gov/publicservice

• Public Service Loan Forgiveness (PSLF) Help Tool

studentaid.gov/pslf

• Primary source of federal ﬁnancial aid information and

resources, including information and tools for managing

federal student loans and information about the Income-

Driven Repayment (IDR) plans (e.g., REPAYE, PAYE, IBR)

studentaid.gov

Questions to Ask About Financial Aid

Additional Resources

Keep in mind that the law school is the

primary source of information regarding

money for legal education.

In addition to the above resources, the Law School Scholarships page on LSAC’s website provides

a list of scholarship opportunities, including a variety of scholarships for diverse applicants.

LSAC.org

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The Law School Admission Council™ (LSAC) is a not-for-proﬁt organization

devoted to promoting quality, access, and equity in law and education

worldwide by supporting individuals’ enrollment journeys and providing

preeminent assessment, data, and technology services.

@LawSchoolAdmissionCouncil

@LSAC_Ofﬁcial

@ofﬁcial_lsac

Law School Admission Council

Questions? We’re here to help.

P: 215.968.1001 Email: LSACinfo@LSAC.org

Law School Admission Council

662 Penn Street

Newtown PA 18940

Law School Admission Council

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