Loans and Loan Repayment Assistance Program

Student on computer sitting outside

In order to be eligible for federal student aid, a student must maintain satisfactory academic progress. Dickinson Law measures academic progress on an annual basis each summer prior to the next academic year. First-year students are considered to be making progress during their first academic year. All students failing to make progress based on the Law School's Academic Standing Rules will be notified by the Financial Aid Office via letter by August 1. Any aid processed for the subsequent year will be canceled.

Federal Direct Unsubsidized Loan (Stafford Loan)

A student can borrow up to $20,500 per year through the Federal Direct Unsubsidized Loan program. Payments on the principal of the Direct Unsubsidized Loan can be deferred while the student is enrolled at least half time.

The Federal Direct Unsubsidized Stafford loan has a variable fixed interest rate based on the U.S. 10-Year Treasury Note Index. The Federal Direct Unsubsidized Stafford Loan for graduate students carries a rate of the 10-year index plus 3.60%. For loans that first disburse from July 1 through June 30 the interest rate is 6.595%.

While rates will vary from year to year, the rate assigned to the loan at the time of disbursement will be the fixed rate on that loan for the life of the loan. The Federal Direct Unsubsidized Stafford Loan for graduate students will never have a rate higher than 9.50%.

Other Educational Loans

If a student needs more than the Federal Direct Unsubsidized Loan allows in any given year, he or she may also be eligible to borrow either a Federal Direct PLUS Loan for Graduate Students or private educational loans. Through these loan programs a student can borrow up to the cost of attendance minus any other financial aid received. Students can use this chart to compare PLUS and private loans. Students enrolled less than half-time for summer terms may need to explore private loans for less than half-time enrollment.

Loan Repayment Assistance Program (LRAP)

To encourage and enable Dickinson Law graduates to pursue careers in public interest law, the Law School has established a Loan Repayment and Assistance Program (LRAP) that can assist qualified graduates working in public interest law with their loan repayment obligations.

Dickinson Law implemented its LRAP in the spring of 2003, with the goal of encouraging careers in public interest law by assisting law graduates with their educational loan repayment obligations. Public interest employment is defined as work for a not-for-profit organization that qualifies for tax exemption under IRS Code §§ 501(c)(3) and work that provides legal assistance to underserved people or interests.


Graduates of the class of 2018 may apply through the 2021 selection cycle. Graduates of the class of 2019 may apply through the 2022 selection cycle. Graduates of the class of 2020 may apply through the 2023 selection cycle.

Graduates from the class of 2021 may apply during the 2022, 2023, or 2024 selection cycles. Because some program application requirements cannot be met before committee review is completed, 2021 graduates should not apply during the 2021 selection cycle.



  • Interested applicants must read the LRAP Guidelines in full to understand the program’s eligibility requirements and responsibilities of participants.
  • Applications should be postmarked and mailed by May 1, 2021. We can no longer accept applications by fax due to data privacy concerns.
  • Committee decisions will be released to individual applicants by June 30, 2021.



  • Annual recertification is required and will be due by June 1 each year.
  • Participants must remain in qualifying Public Interest employment for five (5) years. Otherwise, the funds they have received from LRAP must be repaid according to the program’s repayment schedule.

Interested individuals may contact program administrator Rebecca Schreiber with questions.