Minnesota Loan Repayment

LRAP of MN assists attorneys who obtain full-time employment with a qualifying legal service organization within three years of graduation from law school (with extensions for clerkships and joint degrees). LRAP of MN also permits these attorneys to reapply for assistance for up to fifteen years. Loan repayment assistance is given to attorneys providing direct legal services and advocacy for low-income populations through legal service agencies. To ensure that assistance is provided to the attorneys who need it most, LRAP of MN considers an applicant's adjusted income and debt to determine his or her eligibility and the size of the award. Adjusted income considers the attorney's income from all sources and makes deductions for dependents and day care expenses. To maximize its assistance, LRAP of MN provides its awards in the form of forgivable loans. This enables recipients to receive their awards free of taxes under a special provision of the Internal Revenue Code. Loans are forgiven quarterly, upon a showing that the recipient has used his or her LRAP award to make payments on qualified student loans and that the recipient remains employed in qualifying public interest work.