DCSIMG

Program Eligibility


To be eligible for LRAP, you must meet the following requirements:

A. Qualifying Employment
B. Graduating Classes Eligible
C. Qualifying Debt
D. Qualifying Income



A. Qualifying Employment

To be eligible to receive LRAP grants, graduates must be licensed attorneys employed on a full-time basis in law-related capacities in non-profit organizations whose primary purpose is rendering representation on public interest issues to persons or organizations who could not otherwise obtain like services. Attorneys employed in government agencies are considered eligible; however, judicial clerks are not.
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B. Graduating Classes Eligible

Preference is given to recent graduates, but any graduate of Pacific McGeorge School of Law is eligible to apply for LRAP assistance.
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C. Qualifying Debt

1. Minimum Debt Requirement - One of the objectives of the program is to help those graduates who are burdened with the greatest debt. Graduates must have a minimum debt equal to the sum of Federal Stafford Loans (formerly Guaranteed Student Loans) available while they were law students. The assumption is that graduates with debt levels below the minimum will be able to service their debt regardless of the level of their income.

2. Eligible Debt - All loans incurred to finance law school will be eligible under the program, including Federal Stafford Loans, Federal Direct Loans, NDSL, Federal Perkins Loans, Federal Graduate PLUS Loans, and qualifying alterna­tive loans.

Personal bank loans and loans from family members will not be included. Undergraduate loan debt is not eligible debt. However, payments made to service undergraduate debt will be considered in determining grant eligibility.
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D. Qualifying Income

The Adjusted Gross Income (AGI) from the current IRS Form 1040 is used as the base income, plus any untaxed income and voluntary retirement contributions. LRAP allows the same deduction for dependents as allowed on the applicants' income tax returns.

Married graduates will be treated as having the higher of (a) their respective incomes or (b) one-half of their joint income, whichever is greater. In the event that both partners are eligible for LRAP, their income and debt will be treated separately or as one-half of the total income and debt for each.

In the event of insufficient available monies, the Oversight Committee may adjust LRAP funding.
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