LRAP Eligibility and Requirements

  • Application
    The 2014 Application will be made available on September 1, 2013.

    Eligibility
    To apply for possible assistance from the Capital University Law School Loan Repayment Assistance Program (LRAP), applicants must: 

    • Be a graduate of Capital University Law School's Juris Doctor program; 
    • Be a licensed attorney in good standing; 
    • Be employed full-time in a law-related capacity (not limited to the practice of law in the strictest sense, but substantially using their legal training and skills); by a non-profit tax exempt organization under IRS Code 501(c)(3); or in government law-related jobs at the local, state or federal level; 
    • Have a salary of $45,000 or less; 
    • Have an outstanding law student loan balance and be current on all educational loans; and 
    • Submit an LRAP application and all required documents each year. 


    Non-Qualifying Employment 
    Graduates employed in private practice either by a law firm or a corporation, self-employed, or as a judicial law clerk at the federal or state level are not eligible to apply. Current Capital University employees are not eligible to apply.

    Qualifying Loans
    Only loans used to finance an applicant's Capital J.D. education and bar exam preparation are included in determining the applicant's eligibility for the LRAP.
    Income Restrictions 

    An income ceiling of $45,000 from qualifying employment has been placed on LRAP applicants.

    If both members of a married or partnered couple are applicants and each has an income under $45,000, each applicant may be eligible. For applicants with spouses or partners who are not applicants, LRAP will consider the applicant's qualifying employment income or half of the joint income, whichever is higher. The spouse's or partner's income may affect the applicant's eligibility. 

    Other LRAP Awards
    Applicants are encouraged to take advantage of any other LRAP programs (such as state, federal, or fellowship LRAPS) and must note such participation in their application materials. Application and receipt of other LRAP awards will not necessarily disqualify an applicant, but may be considered by the committee.

    Selected LRAP recipients
    Individuals selected to receive a loan from the program must: 

    • Sign a promissory note in the amount of the LRAP loan; 
    • Apply the loan proceeds toward repayment of law school educational debt; 
    • Promptly advise the LRAP administrator of any change in employment and/or financial condition; and 
    • Complete a quarterly employment verification form March 15, June 15, September 15 and December 15. 
    • Prove all loans are current each quarter.

    A recipient is eligible to reapply each year for continued assistance.

    Disbursements
    Disbursements of $300 will be made quarterly in January, April, July, and October after an employer verification form has been completed. Before each disbursement, proof is required that all loans are current. Recipients who are in forbearance or deferment must provide proof that disbursed funds were applied to qualifying loans. Disclosure of any changes in the recipient's or spouse's/partner's financial or employment circumstances since the submission of the application also is required. 

    Leaves of absence
    A leave of absence from employment for up to three months total is available for family leave and disability. Notice must be provided to the program administrator. During this leave period, recipients will be eligible for program assistance, but repayment of LRAP loans will not be necessary. If the participant does not return to the program within three months, the LRAP loan will become due to the extent not forgiven. 

    Change of Employment
    The recipient has the responsibility to notify the program administrator any change of employment. Employment changes from one public service entity to another require the potential participant to file an updated application to the LRAP Committee.

    Recipients of funds risk suspension from the program if they make special arrangements with any lender to put their loan payments into deferment or forbearance, or to extend the repayment period during the year the recipient is receiving funds, without the consent of the program administrator.

    Any changes in employment, income, assets, loan payments, or support from any other loan forgiveness program must be communicated to the program administrator immediately. Depending on the nature of the changes, recipient may risk suspension from the program. 

    Repayment of unforgiven loans
    Participation in the program constitutes assumption of the legal obligation to repay all unforgiven loans provided through LRAP. All recipients must sign a promissory note. 

    Upon leaving qualifying employment, the recipient must contact the program administrator to determine the repayment schedule, which will be based on the amount of money outstanding, the recipient's current salary and other related financial considerations. Defaulting recipients must repay their loans within one year.