Public Interest Loan Repayment Assistance Program (PILRAP)

RWU Law’s Public Interest Loan Repayment Assistance Program (PILRAP) was created in 2008 and is designed to provide support for our graduates pursuing careers representing low-income clients in non-profit offices. This assistance comes in the form of a forgivable loan.

General Information

Roger Williams University School of Law (“RWU Law”) is committed to affording its graduates a wide range of career choices and making public interest law practice a more financially feasible choice. RWU Law, through the generosity of Roger Williams University and donors Jack and Sara McConnell, demonstrated that commitment, in 2008, by establishing this Public Interest Loan Repayment Assistance Program (“PILRAP”). 

RWU Law’s PILRAP is designed to assist graduates who are providing direct legal services to indigent clients by providing financial assistance to assist in repaying loans incurred for legal education. 

Graduates in public interest jobs who have educational debt will be eligible to receive funding in the form of forgivable loans to help meet their educational loan payments. 

To be eligible to participate in PILRAP applicants must have received their JD degree from RWU Law, must apply to initially enter the PILRAP within the first 5 years following graduation and fulfill the qualifying employment test described below. A qualifying applicant must also agree to be continuously employed in the field of public interest law for the 12 months for which they are funded.

Qualifying Employment 

The applicant must be a member of a state bar or the District of Columbia bar, OR the applicant may have passed one of the above bars and be awaiting admission AND must be providing legal services on a full-time (at least 32 hours per week)  or part-time (at least 20 hours per week) compensated basis in a public interest setting such as described below. Qualifying employment is limited to core public interest jobs which provide legal services for or under the direction of a governmental unit or an organization described in Internal Revenue Code § 501(c)(3) to people who cannot afford to pay, such as: legal aid or legal services offices and certain other private nonprofit organizations that provide legal services for persons or organizations financially unable to obtain adequate legal services; and indigent or public defender offices. Some examples of qualifying positions include: 

• Attorney at Legal Services 
• Legal Aid offices Attorney at nonprofit organization qualifying for tax exemption under Internal Revenue Code § 501(c)(3) 
• Indigent clients Attorney at Indigent Defender or Public Defender office 

Loan Status Eligibility Requirement 

Students may apply for the PILRAP loan if they are in repayment AND in a qualified Income-Driven Repayment (IDR) Plan or if they intend on starting their loan repayment within three months of the application date. A graduate must be in repayment before PILRAP loans may be distributed and must remain in repayment throughout the term of the graduate’s PILRAP loan. Graduates must be making educational loan payments to be eligible to receive benefits under the PILRAP Program. PILRAP assistance may be used only to repay qualified educational debt owed to an institutional or governmental lender.

Timeline

Due Date- December 1st

Award Notification- Jan 15th

Promissory Notes- Feb 1st 

Application Process 

A graduate must apply for PILRAP no later than December 1st within five years after the graduate’s date of graduation. The application will not be considered complete unless accompanied by all required documentation specified on the application form. Submit applications no later than December 1st using our secure portal.

The completed application: 1) an application, 2) an employment verification form signed by the supervisor, 3) a loan statement that includes the balance, interest rate, repayment plan, and monthly payment amount, and 4) proof of payment for the past six months (continuing applicants only) and 5) most recent year’s federal 1040 tax return.

Reapplication for subsequent loans is required each year on December 1st. Decisions to grant applications for PILRAP loan assistance will be announced by the PILRAP Committee on January 15th and will include notification of the amount of annual assistance for the eligible year of public interest employment. 

All recipients of PILRAP funding must sign and return a master promissory note before funds can be released.

Public Service Loan Forgiveness

The Public Service Loan Forgiveness (PSLF) program is available through the federal government to those borrowers making qualifying payments in a qualifying repayment plan while working full-time for a qualifying public service employer. After 120 qualifying monthly payments, the remaining balance is forgiven with no taxable income implications. Only the loan servicer (FedLoan Servicing) can determine all of the above requirements. It is strongly recommended for borrowers to submit the Employment Certification form on an annual basis, as well as when there is a change in employer, to ensure that forgiveness is properly being tracked by the loan servicer. Failure to submit the form may result in qualifying payments not being counted toward forgiveness.

More information about PSLF, including eligible employment and the loan and repayment requirements.

PILRAP Application

Submit your PILRAP application and supporting documents via our Secure Portal

If you have any questions about the program or your eligibility, please email Laurie Barron at lbarron@rwu.edu or Kate Politano at kpolitano@rwu.edu.