Loan Repayment Assistance Program
What is LRAP All About?
The Vermont Law School LRAP (Loan Repayment Assistance Program) assists alumni entering low paying, public interest law with education loan payments. It is our goal to minimize educational debt as a consideration in career choice. These loan awards supplement the income of graduates with unrealistic education payments-to-income ratios. Loans are provided to reduce the burden of educational loan payments. LRAP loans are forgiven contingent upon achievement of employment criteria outlined in the promissory note.
Representative employers would include: Legal services offices, public defenders, prosecutors and other appropriate government agencies, advocacy groups, and private firms. The graduate must be employed at least 35 hours per week in law-related, public interest work. Public interest work is defined as employment where the primary purpose of the work is the representation of the interests of an individual or a group of individuals which, for various economic, political, or social reasons, are not adequately represented. A graduate working for a private firm may be eligible for assistance where 75% of the graduate's time is spent on public interest work.
Although consolidation of loans is not required, the maximum assistance received by an individual will be determined using the minimum payment (consolidated payment). The number and amount of awards will vary annually due to funding limitations. The Financial Aid Office determines awards annually. Qualifying applicants with highest debt-to-income ratios will be funded first. A contribution toward educational loan payments will be expected from all applicants.
Please note that judicial clerkship appointments are not considered eligible employment. You must be a Vermont Law School JD recipient to apply. In order to be able to assist more students with their loan repayments, recipients are eligible to receive this assistance for a maximum of three years.
Types of Loans Covered
- Educational loans borrowed while in law school as well as educational loans borrowed to obtain a BA or BS degree (since this is a prerequisite to enter Vermont Law School).
- Federal Family Educational Loans including Stafford, Supplemental, Grad PLUS and Consolidation Loans, Federal Perkins Loans.
- Educational loans borrowed through established student loan programs. For example: Law Access Loans, LawLoans, and VSAC law loans.
- Graduates with delinquent or defaulted accounts are not eligible for assistance.
- Federal Parent Loans for Undergraduate Students (PLUS) borrowed for a dependent and loans borrowed from family members will not be covered.
In addition to the LRAP application, the following items are also required:
- A copy of your most recent federal income tax return.
- Lender Verification Form(s)
- Verification of salary (i.e. paycheck stub, salary letter).
Applications must be submitted by December 15. Award notification, promissory notes, and a schedule of disbursements are mailed in January. There are no payments required on these loans as long as the provisions in the promissory note are met, and the loans are forgiven in the calendar year following the calender year in which the loans were disbursed.
Recipients are asked to repay assistance in the form of a donation to Vermont Law School financial aid programs if and when able to do so. In addition, recipients may be asked to assist Vermont Law School Alumni/ae Affairs, Development, Career Services, and/or Admissions efforts.
For additional information and an application, please contact:
Office of Financial Aid
Vermont Law School
PO Box 96
South Royalton, VT 05068
802.831.1395 or 800.227.1395
Employers of Previous Recipients
Employers of previous VLS Alumni recipients include:
- Law Guardian Program
- Ada County Public Defender
- Grand Portage Tribal Council
Grand Portage, Minn.
- District Attorney’s Office
St. Calais, Maine
- Wisconsin Farmland Conservancy
- Kansas Association of Public Employees
- PA Dept. Of Environmental Protection
- Vermont Legal Aid
St. Johnsbury, Vt.
- State of RI – Child Support Enforcement
- American Wildlands
- Concerned Citizens for Nuclear Safety
Santa Fe, N.M.
- Michigan Indian Legal Services
To download or print an application or information, click the appropriate items below.
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