How to Apply for the Loan Repayment Assistance Program

LSC's Loan Repayment Assistance Program loans are provided for up to three years. New and returning applicants must submit a full application each year.

LRAP Applications

Loan Repayment Assistance Program (LRAP) loans are provided for up to three years. Attorneys selected for the program may receive forgivable loans for up to three (3) years depending on eligibility and available funding. An attorney's participation in the first year of the LRAP is based on eligibility demonstrated in the initial application and selection. To participate for a second and third year, the attorney must submit a new application each year, demonstrating continued employment with the same LSC grantee and other eligibility requirements.

2021 LRAP applications will open in GrantEase on Monday, May 17, 2021, and the deadline has been extended to Friday, July 9, 2021 at 11:59 PM ET.

How to Apply
Applicant Requirements

Requirements

  1. At the time of application, the applicant must be employed full-time as a licensed attorney at an LSC grantee as that term is defined by the LSC grantee.

  2. The participating attorney must remain in full-time employment with the employing LSC grantee for the entirety of the LRAP loan term for which they are applying (for the 2021 grant cycle that would be October 1, 2020, through September 30, 2021).

  3. At the time of initial application, the applicant must have a reasonable expectation of employment at the grantee for three consecutive years beginning with October 1 of the calendar year before the application. For example, a May 2021 applicant must have a reasonable expectation of employment at their current grantee from October 1, 2020 through September 30, 2023.

  4. At the time of initial application, the applicant cannot have been employed as an attorney by the employing LSC grantee for more than five years (60 months cumulative).

  5. At the time of initial application, the applicant must have a total outstanding debt of at least $75,000 in eligible law school loans (see Section II.B.1 Eligible Uses in the LRAP Program Description).

  6. At the time of initial application, an applicant’s total annual income may not exceed: $62,500 for the 48 States, DC, territories and other service areas; $78,125 for Alaska; and, $71,875 for Hawaii.

  7. At the time of initial application, an applicant's total net worth may not not exceed: $35,000 for all states, territories and service areas.

  8. At the time of initial application, the applicant may not have:

    • previously received LRAP loans covering 36 months or more (cumulatively); or

    • defaulted on a previous LRAP loan; or

    • included a previously-received LRAP loan in any bankruptcy filing as a dischargeable debt.

  9. An applicant is not required to first apply to, and maximize participation in, any other loan repayment assistance program for which the applicant is eligible. The receipt of other loan repayment assistance will not decrease the amount of the LRAP. However, LSC requests information on the applicant’s participation in other LRAPs for research purposes aimed at further improving LSC’s LRAP.

  10. If selected through the lottery system, the applicant must execute an LRAP Promissory Note and timely submit the Executive Director Certification Form, as instructed through GrantEase, to receive a loan (see Section II.B.1 Eligible Uses in the LRAP Program Description). A participating attorney will have to execute a new LRAP Promissory Note for each eligible year, up to three years.

  11. To have an LRAP loan forgiven, the participating attorney must remain employed with the LSC grantee for the entirety of the annual loan term to which they have applied for participation (for the current cycle that would be October 1, 2020 through September 30, 2021). If the participating attorney does not remain employed full-time with the LSC grantee listed on the promissory note and application during the required 12 months, the participating attorney must repay all loan disbursements to LSC.

  12. Prior to receiving each loan payment, a participating attorney must provide LSC with a Certification of Employment and Good Standing executed by the executive director of the LSC grantee where the participating attorney is employed full-time.

  13. LSC uses direct deposit to make individual award payments. If you have any concerns about the use of direct deposit, please reach out to LRAP@lsc.gov.

Required Upload: Law School Loan Documentation

Submitting Law School Loan Documentation

To complete the application, ALL applicants must upload current law school loan documentation to the Attachments Tab > Attachments Section of the application record in GrantEase

Satisfactory law school documentation consists of a statement from the lender showing the loan payoff amount (total principal plus accrued interest) as of the statement date. The applying attorney's name, as well as the lender's name, must appear on the statement from the lender. For each law school-related loan, documentation must consist of the following information (at a minimum):

  • applying attorney's name on the document,
  • lender name,
  • loan number, and
  • current loan balance.

If the applicant consolidated law school loans with undergraduate and/or graduate school loans, the applicant is required to identify which portion of the consolidated loan is for law school and submit this explanation in a cover letter along with the loan documents.

Applicants can convert or scan all documents to PDF, combine them into one file, and follow the instructions on the application form. Applicants should use their first and last name, and "Loan Documents" as the file name. For example, Lucy Lawyer - Loan Documents.

The LRAP application is not complete until the applicant has uploaded their current loan documentation AND clicked Submit Application. 

First-time Applicants

Prior to accessing the application, new applicants must register in GrantEase and create their individual user account. A pre-recorded training on how to register a new individual account and written steps are provided through the GrantEase User Manual 2 (see page 102). New applicants will need their organization's unique 6-digit LSC-issued recipient identification number to complete the registration request. NOTE: It may take 3-5 days for new applicants to complete their GrantEase individual user registration. Please plan accordingly.

Returning Applicants

Returning applicants for the 2021 grant cycle should have received a GrantEase notification to complete setting up their individual account registration on or around April 1, 2021. If you did not receive this email, please check your spam and trash folders before reaching out for assistance at LRAP@lsc.gov.

Returning applicants will need to submit a full application and demonstrate continued employment with the same LSC grantee and other eligibility requirements. If eligible, an attorney may participate in the second and third year even if the attorney's salary and/or net worth now exceed the LRAP's initial eligibility requirements. There is no guarantee that an eligible attorney will receive funds for a second and third year. 

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