The Loan Repayment Assistance Program in Camden provides financial assistance to help defray law school debt obligations for law school graduates choosing lower paid public interest and public service careers.

All graduates from the Class of 2004 and all succeeding classes are eligible if the following criteria are met:

  • the graduate is employed in a law-related public interest position
  • the graduate has an income below the salary cap set annually by the LRAP Advisory Committee
  • the graduate is actively paying on the loan

For April and October deadlines, contact Pam Mertsock-Wolfe 856-225-6406 or pmertsoc@camden.rutgers.edu

Here are the forms you need to apply:

Program Details and Resources
  • History
  • What is a Public Interest Position?
  • Qualifying Income Level
  • Refundable Student Fee
  • Salary Cap
  • Contact Info

In 2003, Rutgers law students voted overwhelmingly in favor of establishing a Loan Repayment Assistance Program (LRAP) to provide financial assistance to help defray law school debt obligations for law school graduates choosing lower paid public interest and public service careers.

We define public interest work broadly. All graduates employed in full-time positions with legal services and other non-profit legal services organizations, and with local, county, state or federal governmental entities are eligible for our LRAP.  A judicial clerkship is not qualifying employment.  However, if after the completion of the clerkship, the graduate accepts employment in the public interest sector, he or she is encouraged to apply for LRAP.

The qualifying income level is $55,000 for a single filer and $87,500 for joint filers.

A refundable student fee charged on each term bill will fund the LRAP. This fee is $25/semester for full-time students, $18.75/semester for part-time students. Other university funds have already been committed, and further funding is being sought.

The salary cap will be determined by the committee, which includes student, faculty and staff representatives. All eligible applicants will receive a proportional share of the funds available in each awarding cycle. The LRAP program intends to contribute between 15-25% of the graduates' annual debt payment, and thus far has been able to exceed that amount.

Pam Mertsock-Wolfe
Associate Director for Pro Bono and Public Interest Programs and Writing Specialist
Rutgers Law School
217 N. Fifth Street, E208
Camden, NJ  08102
856-225-6406