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LRAP常见问题及具体方案

一般的问题

覆盖

支付

报告

“低公益”和工会覆盖试点方案

 

符合什么岗位为LRAP? 符合条件的就业被定义为比对的501(c)一半时间工作(3)非营利组织或政府的法律相关就业机构更大。它包括但不限于检察官,公设辩护人,军工兵团JAG,立法人员和行政机构的工作人员,使大量使用的法律技能,例如,通过要求巴的通道或以其他方式法学院培训方面大力绘制。与其他类型的非营利组织,国际非政府组织或外国政府符合上述要求的位置可享受LRAP覆盖,但通常不会有资格获得公共服务贷款免除(pslf)。无任期和任期跟踪在非营利教育机构学术职务,包括但不限于临床教师和研究人员,也可以出线。然而,这些职位的收入通常超过LRAP收入门槛。任期的跟踪学术职务列入始于类的2012 JSP毕业生谁伯克利分校法律赢得了他们的JD。 

如何LRAP工作?谁使学生偿还贷款? 如果你有资格获得LRAP支持,您将直接收到的资金从伯克利法律的原谅贷款的形式给定的时间段。在此期间,你犯了一个每月所需的学生贷款支付给你的贷款服务。你LRAP合同期结束时,你会提供这些贷款支付,收入和就业证明。如果你的收入保持不变,你做你的付款不如预期,您LRAP贷款将被原谅。 

我将有资格获得LRAP,如果我做兼职工作? In order to be eligible for LRAP, you must be working greater than half-time as defined by your employer. To be eligible for 公共服务贷款免除(pslf), you must meet your employer’s definition of full-time and must work at least an annual average of 30 hours per week. Please note that for LRAP you are required to report gross income from all sources of income.

I secured employment with a private law firm and was offered a 1-year public interest deferred fellowship with a $50,000 stipend prior to the beginning of my employment. If my placement is considered LRAP qualifying employment, will I qualify for LRAP? LRAP is designed to solely provide assistance to graduates who are pursuing public interest work or government employment as a career. Graduates receiving such deferred fellowships do not meet the LRAP qualifying employment requirement because they have not relinquished their employment with the firm that is providing the fellowship. The employment has been deferred, but not terminated.

我需要什么文件,我的申请提交? 对于首次和持续申请清单可以在找到 “如何申请 for LRAP” page

我什么时候可以申请? You must initially apply for LRAP within 3.5 years after graduation. Please visit “如何申请 for LRAP.”

Do I need to reapply? 多常? To renew LRAP support, you should submit an LRAP application 30 days before the end date of your current LRAP contract. For more information and instructions, visit “如何申请 for LRAP.”

Can I voluntarily waive the grace periods for my loans and begin my loan payments and LRAP participation early? No, LRAP coverage begins at the end of your grace period for federal loans, which is generally in December if you graduate in May.

我应该采取什么样的措施,有我LRAP贷款原谅吗? You should submit a forgiveness (i.e. cancellation) application within 30 days of your contract end date. For more information and instructions, visit “如何申请 for LRAP.”

I am a newly admitted student. Will LRAP still be around by the time I graduate? Absolutely. Berkeley Law is committed to supporting its public interest graduates.

如何将由于加州预算危机的资金减少影响LRAP? Our LRAP is funded primarily by the Professional Degree Fee and is not dependent on state funding. However, the law school budget as a whole is not unlimited.

我可以安排一对单预约吗? Absolutely. We offer in-person and phone appointments. To schedule an LRAP appointment, please go to our online appointment scheduler. Our office is located at 226 Boalt Hall, University of California, Berkeley, California 94720-7200. You’ll receive a confirmation email once your appointment is scheduled. An appointment to go over your loan repayment strategy is required before entering LRAP.

My gross income is over $70,000. How does that impact coverage of my payments? Once your gross annual income exceeds the imputed contribution threshold, you are expected to pay 35% of every dollar over the threshold to your student loan payments. This is called your “imputed contribution” and is the amount that you will need to pay out-of-pocket towards your loan payments, regardless of what your student loan payment is.

** Effective July 1, 2019, the LRAP imputed contribution threshold increased to $70,000. Prior to that, the threshold was $65,000. All current and future LRAP contracts will use the $70,000 threshold from July 1, 2019 onward.

例子:

LRAP收入 Imputed Contribution %

你的贡献 
每月

≤$ 70,000 0% $ 0
$ 75,000名 35% 〜$ 146
$ 80,000 35% 〜$ 292
$ 85,000个 35% 〜$ 438
$ 90,000个 35% 〜$ 583
$ 95,000 35% 〜$ 729
$ 100,000个 不合格 N / A

例如,第二个例子假设你是单身,你的总总的年收入为$ 75,000因此,你每月的估算贡献将约为292每月$(($ 10,0000×35%)/ 12个月)。这意味着,如果你从你的贷款服务收费每月$ 500,你将支付$ 292和LRAP将覆盖$ 208如果你的收入偿还驱动(IDR)和你的贷款支付增加至每月$ 600,你将支付$ 292和LRAP将覆盖$ 308你估算的贡献没有改变,只要你的收入没有改变。

Additionally, the imputed contribution is calculated per month based on your annualized income for that month. Example: Your gross annual salary is $70,000 as of March, but you receive a salary increase to $ 75,000名 effective in April. In this case your imputed contribution is $ 0 in March and $145 in April.

Once your income exceeds $ 100,000个 (minus any dependent deductions), you no longer qualify for LRAP support.

What if I am not paid (or my spouse is not paid) in U.S. dollars or I work part-time? Your income for LRAP purposes is calculated based on full-time employment in U.S. dollars. To that end, if you are working greater than half-time but less than full-time, we will adjust your income to reflect what it would be if you were working full-time. If you are not paid in U.S. dollars and you live in a foreign country, we will adjust your salary based on a real exchange rate to U.S. dollars to determine your LRAP eligibility.

What if my income changes after I’ve already received an LRAP forgivable loan? 如果在某月你的收入变化,我们用对应于您举行,为广大一个月的位置的收入。如果你的收入超过$ 70,000,您可能没有资格有原谅你的LRAP贷款的100%。这在消除(即赦免)申请审查中处理。如果你需要“偿还”的资金,你的原谅申请进行审查后,您将会收到通知和兴趣开始累积,你需要做出所欠金额付款前将有四个月的免息宽限期。然而,以帮助您计划经济,我们建议您尽快通知我们尽可能地(根据LRAP期票的期限)可能会影响你的资格的任何变化,使我们可以估算出您的LRAP贷款的多少不会被原谅。 

请问我的见习影响我在LRAP参与? LRAP被设计为支持进入公共利益的毕业生。金融机构一年期(或低于两年)见习,你必须输入公共利益的就业,立即您的见习以下,否则你会被要求偿还而在见习您收到的LRAP资金。两年或更长的见习(或多个见习共计两年或两年以上)完成满足LRAP的就业要求。但是,如果你不完成你的见习的第二年,你将需要进入排位赛的就业(无论是在一个符合501(c)(3)或政府机构)立即见习有你LRAP贷款原谅以下。

如何做失业影响我的LRAP参与? If you are unemployed during your LRAP contract, you are not eligible for LRAP during the period of time. The change in employment will be addressed through the cancellation process. If you received LRAP funds in excess of your eligibility, we will bill you for that amount.

怎么做我的配偶或伴侣的收入因素考虑LRAP? Your annual full-time income will not be adjusted unless your spouse has a higher income, in which case we will average your gross incomes. Example: your and your spouse’s incomes are $50,000 and $ 80,000 respectively. Your income for LRAP purposes would be $65,000. If you also have a dependent, $6,000 would be subtracted from that figure for the first child, and $4,000 for every dependent thereafter.

如何生儿育女因素纳入LRAP? Your income for LRAP purposes will be reduced by $6,000 for the first dependent and $4,000 for any thereafter. To be considered a dependent, the individual must be claimed on your most recent tax return. Please note child support is considered income for LRAP purposes.

为什么我的合同长度少于12个月设定?  500 Internal Server Error- 365体育|投注网址

Internal Server Error

The server encountered an internal error and was unable to complete your request. Either the server is overloaded or there is an error in the application.

 

我如何找出代理服务我的贷款? If you are unsure on the agency that services your loans, you should review your loans at www.nslds.ed.gov as it will list your loan servicer. Once you’ve located your loan servicer, you can create an online account to access your balance, make payments, and download payment histories.

What is negative amortization? Negative amortization occurs when the payments on a loan are less than the interest that accrues each month, causing the balance owed on the loan to increase.

是什么IDR,IBR,PAYE,和ICR之间的区别? IBR和预缴所得税是收入驱动的还款计划(IDR)的例子。您办理您的贷款服务收入驱动的还款计划,他们会计算付款是由前一年的可支配收入的10%-15%。这是每月支付用来计算你的LRAP原谅的贷款金额。 (仅2012年毕业班和以前有资格为标准10年的还款计划下的覆盖面。)请注意,按收入比例还款(ICR)不符合LRAP支持。

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我什么时候可以指望得到我的原谅LRAP贷款? 500 Internal Server Error- 365体育|投注网址

Internal Server Error

The server encountered an internal error and was unable to complete your request. Either the server is overloaded or there is an error in the application.

我的申请已被处理。何时会收到我的资金? If you have EFT set up, it can take a couple of days for the funds to be deposited into your account. If you don’t, a paper check should arrive in approximately two weeks.

我可以直接发送到我的银行帐户我LRAP资金? 是!我们 非常 encourage you to set up EFT (electronic funds transfer) to receive your LRAP forgivable loan funds directly into a bank account of your choosing! This not only prevents checks from getting lost in the mail, but also means that you receive your funds faster. Be sure to complete the form as a vendor, and include a voided check when mailing your authorization form. Follow the EFT authorization instructions 为365体育投注网址 供应商这是比当你是一个学生单独的电子转帐帐户/过程。

如何更改我的EFT设置? In order to change your EFT, you must complete a new EFT Authorization Form and follow the EFT authorization instructions 为365体育投注网址 供应商.

I received a pay raise and my new salary will push me over the $70,000 threshold. When and how much do I need to pay back? 请提交您的最新总收入信息 lrap@law.berkeley.edu. When your cancellation (forgiveness) application is being processed, the LRAP team will re-calculate your eligibility and notify you of the portion of your LRAP loan that is 不合格 to be forgiven. If you are required to repay funds, you will be given at least a month in advance notice, and there is a four-month interest-free period before payment is required.

这很重要,当我从LRAP资金让我的学生贷款支付? 是的,这很重要。为了接收LRAP资金必须在符合条件的还款计划进行注册并作出LRAP合同期限内每月定期付款。在LRAP合同期限以外的款项不会宽恕审查计数。逾期付款不计为符合条件的付款pslf目的。如果你是在IDR轨道就读,并计划推行公共服务贷款的宽恕,这是至关重要的,你让你的付款时间,当付款到期,并通过你的收入驱动的还款计划所需的数额。逾期付款不计的pslf,也不做一次性付款(除非您特别要求不被换上了提前支付的状态)。我们鼓励大家追求pslf成为熟悉 pslf要求 如果还有任何问题伸手。

我应该对我的申请报告或总净收入? Please provide us with your gross income before any taxes, deductions, adjustments, etc. While you don’t have to report the value of stocks, bonds, or rental properties, you do have to report income earned from any investments including interest, dividends, and rental profit. Be sure to email lrap@law.berkeley.edu 对于任何变化的收入。

我什么时候举报地址,家庭或收入变化? 请立即通知我们的变化,包括有效日期。

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What is the Low-Bono Program? The Low-Bono Program is designed to provide LRAP support for graduates from the class of 2010 through 2021 working for either a union or a plaintiffs’-side firm that predominantly provides services to underrepresented members of society in the following types of practice areas:

  • Civil and human rights law
  • 刑法
  • 劳工法
  • 住房法
  • 移民法

In addition, LRAP guidelines mandate that at least 50% of the work of the firm and the applicant involve providing legal services on a pro bono, reduced-fee, or court-awarded fee basis to underrepresented persons or organizations.

How can I find out if I’m eligible for Low Bono and Union 覆盖 through LRAP? We offer a preliminary eligibility review and request the following documentation:

  • 录取通知书
  • Name and website of the firm
  • 该公司的完整实践区
  • Fee structure (sliding scale/contingent fee/etc.) – Who is paying these fees?
  • Who is being served? What is the approximate percentage of pro/low bono clients/services?
  • 什么是您预期的薪水是多少?
  • 恢复
  • A personal statement describing what brought you to public interest, your prior public service experience, and what you see yourself doing over the next five years.

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last updated April 25, 2019