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SchoolYaleHarvardStanfordColumbiaChicagoNYUPennVirginiaBerkeleyMichiganDukeNorthwesternCornellGeorgetown
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Program TitleCOAPLIPPLRAPLRAPLRAPLRAPTolLRAP IIVLFP IILRAPLRAPLRAPLRAPPILIPP IILRAP III
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Program URLhttps://goo.gl/Pc5hIHhttps://goo.gl/jR8rDahttps://goo.gl/73L8s4http://goo.gl/2XBZt1http://goo.gl/LHB6lBhttp://goo.gl/JsM9fjhttps://goo.gl/BWaH2Rhttp://goo.gl/HNFvtthttps://goo.gl/3zzQHehttps://goo.gl/ha2qTehttps://goo.gl/cpWDzlhttp://goo.gl/or577hhttp://goo.gl/WLwZ8Dhttps://goo.gl/PwvK7T
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Eligible LoansAll need-based loans taken to finance JD degree along with up to $30,000 of need-based undergraduate debt. Includes up to $10,000 for bar loans.All need-based loans taken to finance JD degree along with up to $30,000 of need-based undergraduate debt. Includes up to $10,000 for bar loans. Loans taken in pursuit of a dual degree with another HU grad school are also eligible.All need-based educational loans, including all graduate and undergraduate debt with no limit. Includes up to $10,000 for bar loans.All need based loans taken out for attendance at Columbia Law only. Includes private loans. No bar loans and no undergraduate loans.All need based loans taken out for attendance at Chicago only. No bar loans and no undergraduate loans.All need-based loans taken out of cost of attendance at NYU Law only. One time supplemental laptop loan ($2,000) can be included. Bar loans can possibly be included.All federal loans (including undergrad and other gradaute) that can be consolidated and placed into IBR are eligible. Bar loans can possibly be included.All need-based loans taken out of cost of attendance at UVA Law only.All federal loans that can be repaid using IBR. Berkeley will set a cap at the student budget for 3-years of attendance at Berkeley Law.All need-based loans taken out of cost of attendance at Michigan Law only.Minimum $20k in Federal loans for financing a Duke Law education.All need-based loans taken out of cost of attendance at Northwestern Law only.All federal student loans are eligible. $10,000 in Bar Loans are also eligible.All Federally guaranteed student loans and $100/month for Bar Loans.
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Program Duration10 years post-graduation.As long as the student is paying eligible educational loans.10 years post-graduation.10-years from December 31st after student's graduation from CLS. Loans are forgiven on a sliding scale that requires at least 3 years in qualifying employment.10 years post-graduation.10 years post-graduation. Eligibility can be extended in certain cases for up to 36 months. Must participate at least 3 years in program to have loans forgiven.10 years post-graduation. Extensions are available up to 2 years. Must participate at least 3 years to "vest" in the program.10 years post-program entry. 10 years post-graduation. 10 total years of participation. Consecutive years of participation not required.10-years post graduation.10-years post graduation.10 total years of participation. Consecutive years of participation not required.10-years post graduation.
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Application TimingCan apply at anytime within ten years of your graduation from YLS.Can apply at any time you are paying eligible loans and are eligible for LIPP.Can apply at anytime within five years of the January after your graduation from SLS. Can apply up to seven years after graduation.Can apply anytime within the 10-year window post-graduation.Can apply anytime within 5 years of graduation.Can apply anytime within the 10-year window post-graduation.Must apply within two years of graduation or within two years of completing a judicial clerkship started directly after grduation. You must apply for benefits immediately after starting qualifying employment.Must apply within 3 years of graduation.Must apply within five years post-graduation.Can apply at anytime within 10-year post graduation window.Can apply at anytime within 10-year post graduation window, but cannot have any employment other than a clerkship or as a manager in a governmental or non-profit entity between your graduation and LRAP application.Can apply any time as long as 10 years of eligibility have not been exhausted.Must apply within 2 years of graduation. Otherwise, the committee will require supporting documentation and make awards on a funds-available basis.
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Eligible EmploymentAll employment is eligible. Eligibility is determined by income and debt.Any jobs in government, non-profit, academic organizations are eligible along with law related jobs with for-profit organziations.Law related jobs in 501 c(3) or (4) organizations; government work; private employers with at least half time being pro bono work.Law related work in a non-profit or governmental entity. Work in a for-profit entity that is comparable to that done by a non-profit will be considered for LRAP by the law school.Law related work in a non-profit or governmental entity.Law related work in a non-profit or governmental entity.Law related work in a non-profit or governmental entity. For-profit firm work could qualify if 51% of work done by the organization is free or significantly reduced in cost. Clinical law teaching also qualifies.Law related work in a non-profit or governmental entity.Law related work in a non-profit or governmental entity.Law related work. Does not need to be in a non-profit or governmental entity.Law related work in a non-profit or governmental entity.Law related work in a non-profit or governmental entity.Law related work in a non-profit or governmental entity.Law related work in a non-profit or governmental entity.
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Clerkship SupportClerks are eligible to receive a COAP loan at the YLS loan interest rate. If you then move into COAP eligible employment, that loan will be rolled into what's covered by COAP.Clerks are eligible to receive LIPP loans at the current rate for HLS loans. This loan is forgiven if you enter LIPP eligible employment immediately after the clerkship and stay as long as you were in the clerkship.Clerks who intend to enter LRAP eligible employment afterwards can receive an LRAP loan that is forgiven if they enter LRAP eligible employment immediately afterwards.Clerks can receive LRAP benefits. Clerks who go on to LRAP-eligible employment have the interest on their loan forgiven and the loan is treated as a regular LRAP loan.Clerkships are qualifying employment.Clerks can receive LRAP benefits. Clerks who go on to LRAP-eligible employment have the interest on their loan forgiven and the loan is treated as a regular LRAP loan.Clerking is not eligible for assistance, but counts towards vesting in TollRAP PlusOnly career clerkship positions are eligible.Clerkships are qualifying employment.Clerkships do not qualify.Clerkships do not qualify.Clerkships do not qualify.Clerkships qualified on a retroactive basis if grad enters PILIPP II eligible employment post-clerkship.Clerkships do not qualify.
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Amoritization BasisIBR is not required. YLS uses an imputed repayment schedule that uses a 15-year am for the first five years and a five year am for the final five. IBR is not required. 10-year straight am.IBR is not required, 10-year straight am.Borrower can choose straight-am or IBR; straight-am has lower income thresholds than IBR.IBR is required.IBR is required if eligible for PSLF. If not eligible for PSLF, must opt into non-integrated plan.IBR is not required, but repayment assistance is calculated based on IBR.IBR is required.IBR is required.IBR is required.Assistance is based on IBR calculations, but IBR is not required.IBR is required.Assistance is based on IBR calculations, but IBR is not required.IBR is required.
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Negative Amoritzation RiskNo.No.No.Yes, if IBR/PSLF route is chosen.Yes.Yes in integrated plan, no in non-integrated plan.Yes.Yes.Yes.Yes.Yes.Yes.Yes.Yes.
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Upper Income LimitNone.None.None.None.$80,000 None$80,000; participants with incomes between $80k and $100k can accrue time towards TolLRAP plus.$75,000 $100,000 175% of GS-11 salary scale figure. Currently ~$88,000.$75,000 None.$80,000 $75,000
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Contribution/Support Schedule
<$50k: None.
$50-$65k: 15% of income over $50k;
$65-$80k: $2,250 + 30% of income over $65k;
>$80k: $6,750 + 60% of income over $80k.		<$46k: None.
$46k-$52k: 20% of amount over $46k;
$52k and above: $1,200 + 40% of amount over $52,000		>$50k: None.
$50k-$65k: 15% of income over $50k;
$65k-$80k: $2,250 + 50% of income over $65k;
>$80k: $9,750 + 60% of income over $80k		Straight Am
>$50k: None.
$50k+: 34.5% over $50k

IBR
>$100k: None.
$100k+: 34.5% over $100k		All IBR payments are covered if you make less than $80,000.Integrated:
<$80k: None;
$80k+: 40% of income above $80k

Non-Integrated:
<$57k: None;
$57k+: 40% of income 		$80k and below: None.;
After 3 years, TolLRAP Plus provides additional support.		<$55,000: None;
$55k-$75k: Contribution based on a sliding scale.		<$65k: None.
$65k-$100k: 35% of amount above $65k.		<$50k: None.
$50k-$75k: if IBR > interest pmt, grad pays some portion of principal;
$75k+: grad pays portion of interest and of principal if applicable		<$60k: None
$60k+: Support is inversely proportional to amount above $60k with $75k upper limit.		<$45k: None.
$45k-$55k: 25% of IBR
$55k-$65k: 50% of IBR
$65k-$75k: 75% of IBR
$75k: 100% of IBR		All IBR payments are covered if you make less than $80,000.All IBR payments are covered if you make less than $75,000. Beyond $75,000 support is provided on a slidng scale/diminshing basis.
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Asset Allowances$6,000 + $6,000 x years in COAP are excluded for income calculation purposes. Retirement accounts are also excluded.$10,000 + $8,000 x number of years in LIPP + $8,000 x number of years between college and law school are shielded as being assessed as assets. The % of assets that are assessed for income purposes is not clear. Asset protection is doubled if married.Any physical or financial assets over $130,000 are counted as income.
$1,000 x time in the program is deducted from income.		No specific asset allowances are mentioned. If "significant" assets are discovered on tax returns, further information will be required. Undergraduate loan payments are deducted from income determinations for borrower and spouse.None. All that is considered is AGI.Cannot accrue more than $20,000 in net assets while in the program. All assets and all liabilities are considered in this calculation, so student loan balances are considered to offset assets.None.None.None.None.Assets in excess of $15,000 are assessed a percentage.None.None.None.
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Spousal Support Calculation$40,000 of spousal income is excluded along with any educational loan payments made by the spouse.If spouse makes less, then their income is totally excluded. If spouse makes more, then their income is added to the students income and divided by two. Spousal student loan payments are excluded from income.Higher of individual income or half the joint income. Spouse educational loan payments are excluded from income calculations.If spouse makes less, then their income is totally excluded. If spouse makes more, then their income is added to the students income and divided by two. Spousal student loan payments are excluded from income.None. All that is considered is AGI.If spouse makes less, then their income is totally excluded. If spouse makes more, then their income is added to the students income and divided by two.None.If spouse makes less, then their income is totally excluded. If spouse makes more, then their income is added to the students income and divided by two. Spousal student loan payments are excluded from income.If spouse makes less, then their income is totally excluded. If spouse makes more, then their income is added to the students income and divided by two. None.If spouse makes less, then their income is totally excluded. If spouse makes more, then their income is added to the students income and divided by two. If spouse makes less, then their income is totally excluded. If spouse makes more, then their income is added to the students income and divided by two. If spousal income is included on tax returns, it is considered in income calculations.None, but separate filing of taxes is strongly encouraged to keep IBR payment in line with LRAP support.
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Dependent Deduction$8,000 per dependent plus up to $17,000 for "reasonable" expenses for dependent care.$6,000 for the first child and $3,600 per aditional child plus "reasonable" expenses for child care.$8,000 per dependent, no additional childcare deduction.None.None. All that is considered is AGI.None.None.None.$6,000 for first child, $4,000 for additional children.None.$5,000 per child.$5,000 per child + $5,000 for spouse; undergraduate loan payments are deducted as well.None.None.
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Negative Amoritzation Protection
N/AN/AN/ACLS will provide additional support if applicant agrees to make additional payments to IBR in accordance with traditional LRAP guidelines. This should prevent negative amortization, but could result in substantially higher out of pocket costs.School offers $10,000 to compensate for negative amortization upon early exit from the program.School offers one-time payment to reset debt levels to where they would be if student were in non-integrated LRAP program.TolLRAP Plus provides a potential for an additional $22,800 to counter negative am. None.None.Yes. Michigan places unpaid accrued interest funds in a reserve account that vests after two years. Upon an early exit from LRAP, a vested graduate can draw down this reserve to reset their loans' unpaid interest.None.Yes. Some unpaid interest protection is built into support schedule based on income and debt load. <$45k and $150k in debt: 75% of unpaid interest; $75k+ and $150k+ in debt: 50% of unpaid interest.None.None.
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