The Financial Aid Office is here to assist you with understanding and obtaining financial aid. Below, we have provided an explanation of each award, along with eligibility, application procedures and deadlines. Please contact the Financial Aid Office if you have any questions.

Three types of financial aid are available to students attending UCLA School of Law:

  • Grants and Scholarships—Aid that does not have to be repaid; may be used to pay living expenses. (Includes Need Access Grant, Scholarships and Fellowships)
  • Earned aid—Job opportunities for students wishing to reduce loan indebtedness. (Includes Teaching Assistantships)
  • Educational Loans—Aid that does have to be repaid. (Includes Federal, Private and BAR Loans) 


FAFSA (FREE APPLICATION FOR FEDERAL STUDENT AID)

The Free Application for Federal Student Aid (FAFSA) is a government form which enables the school to determine students' eligibility for federal loans (Perkins, Direct Unsubsidized, and Graduate PLUS). The FAFSA must be completed each year by all who wish to be considered for the federal financial aid at UCLA.

Completing the FAFSA online reduces errors and improves turn-around time. You can do this by going to fafsa.ed.gov. Request that a copy of the FAFSA be released to UCLA by indicating our school code: 001315.

Deadline: The FAFSA should be submitted as early as possible after January 1 and prior to March 2. Admitted students who file a FAFSA will receive an electronic Provisional Award Letter (ePAL) in mid-March. Applications filed after March 2 will be accepted but will delay the release of an ePAL. 



NEED ACCESS GRANT

School of Law’s generous need-based grant program provides significant assistance to students with financial need. Under this program, students may qualify for amounts ranging from $1,000 to $21,000 -- protecting students with the greatest need from having to assume still larger burdens.

Our grant awarding process takes into account both a student's and his or her parents' financial resources. In order to help the law school’s Financial Aid Office estimate the likely contribution parents may make, students complete an online application that collects data about the family profile. Some of the variables include, among other things, family size, assets, income, and number of siblings in college. The total amount of grant aid varies from student to student, and all students reapply each year for consideration.

Students must provide parents information on the Need Access application unless they fall in one of the following categories:

  • Student is 30 years of age or older at the beginning of the academic year for which he/she is applying
  • Student can provide the documentation that nobody has claimed him/her on their tax returns for the last seven years
  • Student has a dependent other than a spouse (i.e., a child)
  • Student is a veteran
  • Student was considered as an independent by his/her undergraduate institution through dependency override, and not based on age or marital status. Documentation required.

Students who do not fit the above criteria and do not provide parents information will not be considered for need-based grant award.

Please visit needaccess.org for the application.

Deadline for all applicants and admitted students for the Fall 2014: The Need Access grant application can be submitted as early as January 1 but no later than March 2, 2014 for the 2014-2015 academic year.

If the figures included on your Need Access application are only estimates at the time the application is submitted, you must update your application at www.NeedAccess.org once you and/or your parents have completed your 2013 Federal Tax Return(s), however no later than May 1, 2014. Need Access applications that do not reflect the actual 2013 federal income tax figures after May 1, 2014 will not be considered for the need-based grant. Please do not submit copies of your tax returns to the Law Financial Aid Office unless you are explicitly instructed to do so. Unsolicited copies of income tax returns will be shredded for security purposes. 


 

SCHOLARSHIPS


UCLA Law Departmental Scholarships

This donor-supported program consists of numerous endowments and scholarships funded by UCLA School of Law alumni, and friends, as well as law firms in our community. The consideration for these scholarships will take place during your admission process.


Non-University Scholarships

A number of students each year receive non-university scholarships from a variety of organizations, agencies, companies, and private individuals; these are not administered by UCLA School of Law. Criteria may include academic achievement, special talent, and leadership ability, or group affiliation. UCLA School of Law makes information available to students concerning outside scholarships opportunities as it becomes available.

You can also visit useful links page to gain access to outside scholarship search engines.



EDUCATIONAL LOANS 

 

William D. Ford Federal Direct Loan Program

Federal Direct Unsubsidized Loan

The Federal Direct Unsubsidized Loan program enables qualified graduate and professional students to receive up to $20,500 in a federally guaranteed loan.  For the 2013-2014 academic year, Direct Unsubsidized loan has an interest rate of 5.41% and a loan fee of 1.051%.  The federal government will automatically deducted the loan fee from each disbursement, therefore your original (gross) amount requested and the disbursed (net) amount will differ.

Example:  A student requests a maximum yearly Unsubsidized loan of $20,500 (gross amount) to be disbursed equally between two semesters.  The actual disbursement (net amount) will equal $20,286 ($20,500 – 1.051%) and it will be applied evenly among two semesters ($10,143 each).

The loan fee for the Direct Unsubsidized loan with a first disbursement on or after December 1, 2013 increased to 1.072%.

The student is responsible for the interest which accrues immediately upon disbursement.  Repayment begins six months upon graduation or dropping below half-time enrollment.

All applicants must submit a FAFSA in order to be considered.  Once the FAFSA has been processed and the data has been received by the admitting school, the borrower will receive an electronic Financial Aid Notification (eFAN) indicating the types and the amounts of financial aid awarded.

The U.S. Department of Education allows all eligible recipients to receive a lifetime amount of $138,500 including undergraduate and graduate federal loans.
However, no more than $65,500 can come from the federal Subsidized loan.

Federal Direct Graduate PLUS Loan

Graduate and professional students are allowed to borrow a Federal Direct Graduate PLUS (GPLUS) loan.  For the 2013-2014 academic year, GPLUS loan has an interest rate of 6.41% and a loan fee of 4.204%.  The federal government will automatically deduct the loan fee from each disbursement, therefore your original (gross) amount requested and the disbursed (net) amount will differ.

Example: A student requests a yearly GPLUS loan of $20,000 (gross amount) to be disbursed equally between two semesters.  The actual disbursement (net amount) will equal $19,160 ($20,000 – 4.204%) and it will be applied evenly among two semesters ($9,580 each).

The loan fee for the Direct GPLUS loan with a first disbursement on or after December 1, 2013 increased to 4.288%.

GPLUS loan does not have annual or aggregate loan limits (other than cost of attendance less other financial aid) but requires a credit review.  Just as with Direct Unsubsidized loan, GPLUS borrowers are eligible for an in-school deferment if they are enrolled at least half-time.  The GPLUS has the same payment options, same deferments and forbearances, and same cancellation provisions as a Direct Unsubsidized loan.  The student is responsible for the interest which accrues immediately upon disbursement.  Repayment begins six months upon graduation or dropping below half-time enrollment.

All applicants must submit a FAFSA in order to be considered.  Once the FAFSA has been processed and the data has been received by the admitting school, the borrower will receive an electronic Financial Aid Notification (eFAN) indicating the types and the amounts of financial aid awarded.

 

How is APR different than an interest rate?

In most cases you have seen APR (Annual Percentage Rate) related to private loans, car loans, and your credit card.  What you are being charged for your loan isn’t actually just an interest rate, it’s really the APR.  So, what is the APR?

The APR is the annual cost of your loan.  It includes the interest rate and certain fees.  In order to accurately compare the cost of loans, you should always compare APRs rather than just the interest rates.

Here are the two examples of APRs for the Unsubsidized and GPLUS loans:

  • The simple APR calculation for a $20,500 Unsubsidized loan with 5.41% interest rate and 1.072% origination fee would equal to 5.64%.
  • The simple APR calculation for a $20,000 GPLUS loan with 6.41% interest rate and 4.288% origination fee would equal to 7.39%.



Entrance Counseling

Important! All first time federal loan borrowers at UCLA need to be informed about borrowers’ rights and responsibilities. Law students will satisfy the requirement by completing an online Entrance Counseling Session. This can be completed by reviewing the counseling session materials and taking an online quiz. All quiz results are transmitted electronically to the UCLA Student Loan Services and Collections Office.

Please be sure to indicate "UCLA, University of California, Los Angeles" as your institution when registering your account to ensure that you are directed to the entrance exam.

Failure to follow through with this requirement will delay disbursement of your eligible Federal Direct Loan proceeds. 



Credit-Based Private Loans

Federal student loans are available to most students regardless of income and provide a range of repayment options including income-based repayment plans and loan forgiveness benefits, which other education loans are not required to provide.

Some students find it necessary to finance a portion of their education through private loan sources. These lenders offer loans to offset the cost of attending law school. The loan terms are printed directly on the application and also are governed by federal and state lending regulations. The choice of lender rests solely with the student, but they will need to meet the lender’s credit requirements. UCLA's Preferred Private Lender List can be found here: Preferred Lender List.

The University of California Code of Conduct in Regard to Preferred Lender Arrangements can be found here:
Code of Conduct - Preferred Lenders 



BAR Loans

Law students may apply for BAR Loans for the period after graduation when they are studying for the bar. A BAR loan is an unsecured consumer loan offered to graduating law school students to assist with expenses related to the bar process. These related expenses may include the following: bar examination fees, bar review courses, and living expenses during the period after graduation and prior to being notified of the exam results.

BAR Loan interest rates are generally higher than federal and private loans. Students should review the product guidelines and repayment options before applying. See UCLA’s Preferred Lenders List for a list of Bar Loan lenders.

Please note:  For graduates needing to obtain a Bar loan post-graduation, when using the UCLA’s Preferred Lender List (ELM Select), please indicate your graduation date to be in the future in order to obtain a potential list of lenders that offer this product.



SUMMER OPTION


Summer Funding For Public Service Work

The UCLA School of Law, through an array of sources, provides summer grants to first-and second-year students who engage in otherwise unpaid internships with nonprofit organizations or public sector agencies and offices. The student-run Public Interest Law Fund (PILF) specifically raises money to provide summer fellowships to students engaged in internships with nonprofit organizations. The school, through other funding sources, supplements the money annually raised by PILF. To be eligible for the Summer Public Service Fellowship, students must have an offer of summer employment from a nonprofit organization or government agency or office before the fellowship application deadline. Last year, the UCLA School of Law funded approximately 250 students who applied for summer grants.


TEACHING ASSISTANTSHIPS

Through UCLA’s Graduate Division, advanced graduate and professional students have an excellent opportunity to gain practical teaching and tutoring experience in departments outside of the law school while earning an income to offset the cost of their tuition and fees. In-state students who are employed 45% or more are entitled to a fee remission of 75% of the Education Fee, a fee remission of 75% of the Registration Fee, and a fee remission of 100% of the Graduate Student Health Insurance Plan. These fee remissions significantly reduce the student’s out-of-pocket expenses for the academic year. This reduction may, in turn, affect a student’s total loan eligibility.

For more information and to obtain an application, please visit the Graduate Division website.

Through UCLA’s Graduate Division, advanced graduate and professional students have an excellent opportunity to gain practical teaching and tutoring experience in departments outside of the law school while earning an income to offset the cost of their tuition and fees. In-state students who are employed 45% or more are entitled to a fee remission of 75% of the Education Fee, a fee remission of 75% of the Registration Fee, and a fee remission of 100% of the Graduate Student Health Insurance Plan. These fee remissions significantly reduce the student’s out-of-pocket expenses for the academic year. This reduction may, in turn, affect a student’s total loan eligibility.



POST-GRADUATE SUPPORT

UCLA School of Law has a loan repayment assistance program to increase the ability of its J.D. graduates to pursue public service legal careers. The program seeks to address the increasing debt burdens facing many students and the implications of such burdens on students' ability to pursue relatively low-paying public service work. Under the new loan repayment assistance program, graduates can apply to have a portion - and in some cases all - of the debt service on loans they incurred while at UCLA School of Law subject to a forgivable loan from the School. To qualify for such support, graduates must be employed in a public service capacity that makes substantial use of legal skills and meet other qualifying criteria. Graduates can seek assistance each year for a period of up to 10 years. Further information on this program is available at www.law.ucla.edu/lrap.