Law School Finance

How to Pay for Law School Without Grad PLUS

Law school averages $50,000-$70,000 per year before living costs, and merit money is concentrated at the top of the class. With Grad PLUS gone, LoanAmerica's Graduate Loan covers what federal caps and scholarships leave behind, up to $100,000 with no origination fees.

The Law School Funding Challenge

$70,000

Avg. Annual Tuition

$50,000

Federal Loans (professional cap)

$20,000

Annual Gap

Your Law School Funding Strategy

Start with federal loans under the professional-student cap ($50,000/year, $200,000 lifetime under OBBBA). If your LSAT earns merit money, layer it in. But merit aid is concentrated at the top of the applicant pool, and many admitted students pay close to sticker price.

For the remaining gap, LoanAmerica's Graduate & Professional Loan offers up to $100,000/year with Credential Score underwriting. Law programs with strong bar passage rates and employment outcomes receive favorable treatment.

Cost Breakdown

Item	Cost
Tuition & FeesTop 50 law school average	$55,000/yr
Living Expenses	$18,000/yr
Books & Bar Prep	$4,000/yr
Total Annual Cost	$77,000/yr
Federal Loans (professional cap)	-$50,000
Merit Scholarship (avg.)	-$15,000
Remaining GapWithout merit aid the gap is $27,000. LoanAmerica covers up to $100K	$12,000