JD graduates owing outstanding balances on their Georgetown University student account are not eligible to apply for LRAP funds until the balance owed is paid in full.

Graduates in arrears on student loan payments are not eligible to participate in LRAP until all accounts are brought to a “current” status. LRAP funds cannot be used to bring a participant’s account status current.

LRAP coverage will be provided only for loans borrowed to pay for credits earned within the students’ degree requirements and must be loans certified by the Georgetown Law Office of Financial Aid. If your loans are consolidated under IDR with non-Georgetown Law federal loans, then these will be covered as well up to the standard 10-year payment on Georgetown Law federal loans.

Your LRAP funding is for loans that are in a repayment status. It cannot be used to pay any student loan in a deferment or forbearance status.

Loan Repayment Schedules used for LRAP Calculations

Federal Direct Student Loans

Pay As Your Earn (PAYE), if eligible, otherwise Income-Based Repayment (IBR) or Revised Pay As You Earn (REPAYE), under LRAP 3 & 3H (120 maximum payments).

Consolidated Federal Direct Student Loans

PAYE, if eligible, otherwise IBR or REPAYE, under LRAP 3 & 3H (120 maximum payments).

Bar Loans

Scheduled for 10-20 year repayment depending on lender under 3 & 3H (120 maximum payments).

Consolidated Federal Student Loans

15 year repayment under LRAP 2 (180 maximum payments).

Unconsolidated Fixed Interest Rate Federal Stafford or Grad PLUS Loans

25 year repayment under LRAP 2, but will be funded at 15 years so it will be paid off with any consolidated loan (180 maximum payments).

Commercial/Bar Loans

Automatically scheduled for 15-20 year repayment depending on the lender, under LRAP 2 (180 maximum payments).

Federal Perkins Loans

Automatically scheduled for 10 year repayment if not consolidated, under LRAP 2 (120 maximum payments).


If a graduate chooses to pay his or her federal loans on an accelerated timeline, LRAP eligibility will still be calculated based on the repayment schedules above.