Irving C. Paul Loan Forgiveness Fund for Public Defenders

§  Program Eligibility

§  Qualifying Employment

§  Qualifying Graduates

§  Other LRAPs

§  Qualifying Debt

§  Qualifying Loans

§  Program Schedule

§  Loan Forgiveness

§  Repayment Due to Ineligibility

§  Leave of Absence

§  Loan Consolidation Programs

§  Prohibition of Default and Delinquency

§  Administration

§  Funding

§  Application and Renewal Procedure

§  Selection Criteria

§  Loan Disbursement

Program Eligibility

Qualifying Employment

The Irving C. Paul Loan Forgiveness Fund provides funds for eligible graduates who are employed as public defenders. Recent graduates must be employed full-time doing public defense in either the public or private sector and meet all other LRAP qualifications, except the annual income limitation.

Length of service in qualified employment may be considered as a factor in determining qualified applicants.

Final determination of qualifying employment will be made by the LRAP committee.

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Qualifying Graduates

Only Seattle University School of Law graduates may apply for the LRAP; students may not apply until they have graduated and are licensed attorneys.

The LRAP program is open to all eligible Seattle University School of Law graduates. All eligibility requirements pertain regardless of graduation date. The funding is for the application year only and is not retroactive.

Ordinarily, graduates must begin and maintain public interest employment directly out of law school, with the exception that graduates are extended eligibility until immediately after completion of judicial clerkships, fellowships, parental leave, or other comparable factors.

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Other LRAPs

If available, graduates must first take advantage of other LRAP programs (e.g. federal, employer and state programs).

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Qualifying Debt

Eligible law school debt cannot exceed the total institutional cost of attendance for the applicant’s in-school years (with the exception of a bar loan, if applicable). The “total institutional cost of attendance” is set by the Law School at the start of each academic year, and includes tuition, books, and living expenses.

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Qualifying Loans

LRAP awards are intended to assist in the repayment of loans for law school expenses that were disbursed under institutionally approved and certified loan programs, including federal Stafford loans (both subsidized and unsubsidized), federal Perkins loans, federal Grad PLUS and supplemental private loans. These supplemental private loans will be included only if the budget for the program allows, after first taking account of Stafford and Perkins loans.

Personal loans from banks or from family members, and credit card and consumer debt are not covered by LRAP, even when used to finance legal education. Other loans not covered are commercially available educational loans not certified by Student Financial Services, including Direct to Consumer loans, and loans taken out by parents to finance a student’s education.

For joint-degree programs, only the Law School portion of the joint-degree debt is covered.

The LRAP does not cover educational indebtedness from undergraduate education or from any other graduate education.

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Program Schedule

April 1

Priority deadline

May 15

Eligible applicants notified

June 3

Promissory note due

June 30

LRAP funds disbursed

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Loan Forgiveness

If a participant works in qualifying employment within the LRAP guidelines for at least one year after the June funding is disbursed and maintains all applicable student loans in good standing, the participant’s LRAP loan will be forgiven after June 30 the following year. Prior to loan forgiveness, the participant must verify that they have remained in qualified public interest work and that their educational loans have remained in good standing by submitting a LRAP Employer Certification for Forgiveness Form and LRAP Lender Verification for Forgiveness Forms.

If a participant exits the program because they discontinue qualified employment, the LRAP loan must be paid back in full. However, if a participant remains in qualified employment for at least six months, a percentage of the loan must be returned and a portion will be partially forgiven.

Although current law has been interpreted to exempt taxation on forgivable student loans for public service employment, the receipt of an LRAP loan may create taxable income in the year of receipt or in the year that any loan amount is forgiven. Recipients are encouraged to consult with a tax expert to determine their tax liability throughout the program.

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Repayment Due to Ineligibility

If a participating graduate ceases to be eligible for the LRAP program, a percentage of the LRAP loans must be repaid depending upon what time frame the participant leaves the program. All participants who owe a percentage or all of their LRAP loans are under a legal obligation to repay these loans to Seattle University School of Law based upon their signed promissory note.

The interest rate during repayment will be set at 6% per annum.

Participants who are no longer eligible and neglect to repay their LRAP loan as required may be assigned to a collection agency. Participants will be liable for the original balance of their loan, any interest fees charged by the University and all fees in relation to the collection of the debt.

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Leave of Absence

A participant in LRAP may request in writing, with appropriate documentation, a leave of absence of up to two years for maternity and parental leave, relocation, further legal education, disability or other such purpose as approved by the LRAP committee. Those leaving public interest work for private sector employment do not qualify for a leave, and will be required to begin repayment of their LRAP loans. The graduate who has been granted a leave will not be eligible for a program loan during the leave, but LRAP loans received prior to an approved leave need not enter repayment. Interest will not accrue on the LRAP loan during an approved leave period. If the participant does not return to the program within two years, the LRAP loans not eligible for forgiveness become payable.

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Loan Consolidation Programs

Graduates may enter a loan consolidation program, but LRAP benefits will only contribute for a maximum of five years. Benefits may be calculated based upon the actual monthly payment amount under consolidation.

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Prohibition of Default and Delinquency

All participants in the LRAP must be current on their loan payments and have no outstanding balance on a Seattle University account. Default and delinquency will disqualify an applicant from participating and will terminate any further assistance for that participant.

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Administration

The Business Office and Student Financial Services shall administer the LRAP program.

The Dean, Associate Dean of Student Affairs, Associate Dean for Finance and Administration, and the Director of Student Financial Services set the policy for the program. Major changes to the program will be reviewed by the Director of the Center for Professional Development, the faculty advisor of the Public Interest Law Foundation (PILF), a student representative who is a PILF member, and the Access to Justice Institute Director.

The LRAP committee shall consist of the Associate Dean of Student Affairs, the Associate Dean for Finance and Administration, the PILF faculty advisor, the Director of Student Financial Services, the Director of the Center for Professional Development, the Access to Justice Institute Director, and may include an alumni representative at the appointment of the Dean.

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Funding

·      Irving C. Paul Law Group Loan Forgiveness Endowed Fund

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Application and Renewal Procedure

Graduates must apply for a loan by the April 1 priority deadline date. Award amounts are subject to the availability of funds and the number of applicants eligible for an award in each award period.

Download application packet

The LRAP application requires the following:

     Completed LRAP Application

     LRAP Loan Indebtedness Form

     Cover letter expressing public interest/non-profit involvement

     Current resume

     LRAP Employer Certification Form demonstrating proof of employment with a qualifying organization and salary

     LRAP Lender Verification Form(s) from each loan program that lists educational debts, including payment status, the name of the servicer, the month and year each loan went into repayment, the total amount borrowed, unpaid balance and the dollar amount of the monthly repayment obligation

     A signed agreement that the graduate will apply loan proceeds toward the repayment of law school educational debt, maintain educational loans in good standing, and promptly advise the LRAP Committee of any change in employment and/or financial condition

     Permission to publish recipient’s name and applicable biographical information in Seattle University School of Law publications and in the press

     A signed promissory note in the amount of the annual LRAP loan

     Additional documentation as requested

Renewal Process

Participants must apply every year by the annual priority deadline. Once admitted to the program, it is the responsibility of the graduate to re-apply each year for renewal and provide updated information. Prior LRAP recipients do not receive priority in the selection process. LRAP funding is available for a maximum of five years per participant.

Submit complete application packet to:

Email: lawfa@seattleu.edu (preferred)

Fax: 206-398-4058

Mail:
Seattle University School of Law
LRAP Committee, SFS
901 12th Ave, Sullivan Hall

Seattle, WA 98122-1090

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Selection Criteria

The selection criteria include, but are not limited to, the following:

      Qualifying public interest employment

      Length of service

      Debt level

      Receipt of other LRAP program funds

Decisions made by the LRAP committee are final.

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Loan Disbursement

The Business Office will distribute LRAP funds. Loan funds will be disbursed on or about June 30 of the qualifying year. Recipients must sign an annual promissory note.

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This publication is intended for the guidance of Seattle University School of Law administration, students and faculty. It sets forth in general the manner in which the Law School intends to proceed with respect to the LRAP program, but the University reserves the right to depart without notice from the terms of this publication. This publication is not intended to be and should not be regarded as a contract.

For answers to any questions you have about financial aid, please contact Student Financial Services at lawfa@seattleu.edu or 206-398-4250.

Policy and Guidelines Revised 01/03/2019