Requesting LRAP Assistance

How Does LRAP Assistance Work?

We understand that actually receiving the reimbursement check in the mail is just as important as enjoying peace of mind from the Loan Repayment Assistance Program (LRAP).  That’s why we wanted to take a minute to share with you how the assistance process works. Simply:

  1. Enroll and graduate from the college that awarded you with LRAP.
  2. After graduation, begin working an average of 30+ hours per week, in any industry, across as many jobs as you choose.
  3. Begin making your required loan payments once any federal, private and parent PLUS loans enter into repayment. If you borrowed any federal loans, be sure to check out your Income-Driven Repayment plan options.
  4. Request assistance at the end of any calendar quarter in which you made payments, by sending us copies of your income and hours worked details, as well as proof of your loan payments. See below to request assistance.
  5. LRAP Association then calculates your assistance and sends you a check after we have all your information.  From there the cycle repeats, either until you are earning more than the upper income threshold specified in your LRAP Award or your loans are repaid entirely.

Please keep in mind this is only a summary. The full details of the program and your eligibility can be found in your LRAP Award and Terms & Conditions.

How to Contact Us

Getting Started

The process of receiving LRAP assistance is easy – simply graduate, begin working an average of 30+ hours per week, and then start making your required loan payments. At the end of any calendar quarter in which you have made loan payments (and are meeting the criteria specified in your LRAP Award and Terms & Conditions), you are welcome to request assistance.

To get started, please:

      1. Confirm your eligibility. After reading your LRAP Award and Terms & Conditions, feel free to contact us with any questions.
      2. Review your LRAP Award and Terms & Conditions. These documents, which you should have received when you were awarded LRAP, will provide details about your eligibility. Need a copy? Click here to access the myLRAP Service Portal.
      3. Request assistance. When you are ready, click the button below to create your profile in the myLRAP Service Portal, and begin the process of receiving reimbursement for your loan payments:

Request Assistance

You may also request assistance manually by clicking here to download the Graduation Package.

Did you borrow federal loans?

For any federal loans, your assistance will be calculated after taking into account any Federal income-driven repayment plan for which you qualify (e.g. Pay as Your Earn or Income-Based Repayment).  That said, you are not required to enroll in such a program. Some graduates will choose to make overpayments, to pay their loans off sooner, understanding that LRAP assistance will only be calculated on the required payment amounts.  You are welcome to do the same.

Enrolling in a federal income-driven repayment plan can start saving you money immediately and offers many potential advantages, including:

      • Lower monthly payments
      • Ability to have some or all of your loans forgiven
      • Monthly payments relative to your income level


If you plan to enroll in a federal loan repayment plan, we encourage you to look into your options and enroll at least a full month before your first payment is due. You can view your current eligibility for these programs and sign up by visiting the U.S Department of Education website, signing in, and submitting a Repayment Plan Request. If you do not know your Federal Student Aid PIN, you can find it here.

Also, if you are married (or soon plan to be), please keep in mind your eligibility for Federal Income-Driven Repayment (IDR) plans is influenced by whether you file your taxes as married filing separately or jointly. You are welcome to file in either status, understanding we will calculate your assistance as if you filed “married filing separately”, which often offers the lowest required monthly payment – the amount we use when calculating assistance. We suggest you consult a tax advisor if you have any questions regarding your specific tax situation.

LRAP complements federal income-driven repayment plans and wraps around them, providing a much richer level of support after graduation.

What’s next for you?

Next Steps

If you let us know your plans after graduation, we will be happy to provide information on next steps for receiving LRAP assistance.

Share your plans.