Loan Repayment Assistance Program & Student Debt Relief Resources
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Robert J. Kutak Loan Repayment Assistance Program


The Law School is pleased to offer the Robert J. Kutak Loan Repayment Assistance Program, made possible by donations from generous alumni of the Law School.  The program is intended to ease the financial burden of recent Law School graduates who are employed in public interest law positions and have accumulated significant debt from educational loans.

 Please see the application and an outline of the program for further information.  Completed applications are typically due June 1 of every year.

2013 LRAP Application - Must be postmarked by June 1, 2013.

College Cost Reduction and Access Act of 2007

Important federal student debt relief legislation went into effect on July 1, 2009.  Two provisions are relevant for law students and alumni.  The first is Loan Forgiveness for those students going into public service work.  The second is Income Based Repayment available to any student with high loan debt and a relatively lower salary.  For information about these programs, click on the links below.

Student Debt Relief Resources

Creighton Financial Aid Office Paula Kohles in the Financial Aid Office is available to provide advice to alumni regarding Income-Based Repayment (IBR) and Public Service Loan Forgiveness (PSLF) Programs, as well as other repayment options.  Although IBR and PSLF are available only for federal student loans, they can help make monthly student loan payments more manageable.  Paula can be reached at or 402-280-2351.

Public Service Loan Forgiveness (PSLF) - Employment Certification Forms Now Available
In January 2012, the Department of Education issued the long-awaited Employment Certification Form for Public Service Loan Forgiveness (PSLF). Direct Loan borrowers who work in the public and nonprofit sectors can now get confirmation that their job counts as qualifying employment for PSLF. Using this form will make it much easier to track your eligibility, know when it's time to apply for forgiveness, and have the paperwork you need in hand.  Visit the Federal Student Aid website for the Employment Certification instructions, fact sheet, and form.

Equal Justice Works - The EJW website contains wonderful resources that discuss student debt relief, including income-based repayment and public service loan forgiveness.  EJW offers regular webinars discussing both programs.

Pay As You Earn (PAYE) - The Pay As You Earn Repayment Plan helps keep your monthly student loan payments affordable, and usually has the lowest monthly payment amount of the repayment plans that are based on your income. If you need to make lower monthly payments, this plan may be for you.  You also must be a new borrower as of Oct. 1, 2007, and must have received a disbursement of a Direct Loan on or after Oct. 1, 2011. - contains a plethora of information about the income-based repayment option, including a calculator useful for figuring monthly payments.

State-Based LRAP Programs - The EJW website contains information about the 23 state bar associations, including Iowa, that offer LRAP programs.

Heather Jarvis (Student Loan Expert) - Heather Jarvis is one of the nation's leading authorities on income-based repayment and public service loan forgiveness.  Her website offers frequent webinars and a blog that shed light on what can be a confusing process.

The Employee and Employer Guide to Public Service Loan Forgiveness - authored by Heather Jarvis and the ABA.