Janet L Hoffman Loan Assistance Repayment Program

To start, you must be a Maryland resident who graduated from a Maryland institution. In addition, you must also work full-time in Maryland state or local government or a nonprofit organization. This program is for those working as lawyers, nurses, nurse faculty members, physical and occupational therapists, social workers, speech pathologists, and physician assistants.

Table of content

• What is Janet L Hoffman LARP?
• Eligibility for employment fields
• Types of Loans qualify?
• Urban Teacher Center Applicant Requirements
• Pre Graduation Law Student Requirement
• Selection Procedure
• Conclusion

What is Janet L Hoffman LARP?

The Janet L. Hoffman Loan Assistance Repayment Program offers loan repayment assistance to Maryland residents who provide full-time public service in Maryland state government agencies, local government agencies, or nonprofit agencies that serve low-income or underrepresented populations. It is always to be well aware of all your student loan repayment options so, that you can take control of your repayment phase.

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Eligibility for employment fields

This Profession includes lawyers judicial clerks in any court and policy analysts are not the eligible principal part of the position must provide legal services to low-income residents in Maryland who cannot afford legal services

• Nurses degree- or diploma-holding registered nurses school nurses are not eligible

• Licensed Clinical Counselors

• Physical and Occupational Therapists

• Social Workers either a bachelor’s or master’s degree in social work

• Speech Pathologists

• Teachers at any level or subject field who teach in schools designated as Federal Title I or Schools Identified for Improvement by the Maryland State Department of Education (MSDE). 

Eligibility requirements

1. You must have earned a degree from a college in Maryland, or from any law school, or a resident teacher certificate from the Maryland State Department of Education.

2. You must be employed full-time in state or local government or a nonprofit organization in Maryland.

3.  Your employer must help low income, underserved residents or underserved areas in the state

4. You must have educational loans from a university, government, or commercial source that you used to pay college expenses.

5. You may not be in default on a loan. Your annual gross salary cannot exceed $60,000.

6. If married, your annual gross salary cannot exceed $60,000, and your combined salaries cannot exceed $130,000. 

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Types of Loans qualify?

• Stafford loans

Direct Stafford Loans, from the William D. Ford Federal Direct Loan (Direct Loan) Program, are low-interest loans for eligible students to help cover the cost of higher education at a four-year college or university, community college, or trade, career, or technical school. Eligible students borrow directly from the U.S. Department of Education (the Department) at participating schools.

• Grad PLUS loans

The Grad PLUS Loan is a federal student loan available to students attending graduate school and professional school. The Grad PLUS Loan offers a fixed 7.08% interest rate for the 2019-2020 school year and flexible loan limits.

• Consolidation loans

Many companies will reach out and offer consolidation opportunities as an easy fix for your debt problem. Although a consolidation loan may make it easier to manage your debt because you just have one payment to worry about, it does not really address the issues that got you into debt in the first place.

•  Perkins loans

A Federal Perkins Loan, or Perkins Loan, is a need-based student loan offered by the U.S. Department of Education to assist American college students in funding their post-secondary education. 

•  Private student loans

A private student loan is a financing option for higher education in the United States that can supplement but should not replace, federal loans, such as Stafford loans, Perkins loans, and PLUS loans.

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URBAN TEACHER CENTER APPLICANT REQUIREMENTS

You must be in your 2nd year of the program and possess a Maryland Resident Teaching Certificate. You must submit a LARP General application and all required documents by the deadline specified in the “When to Apply” section. UTC applicants are not eligible to receive the lock-in award.

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PRE-GRADUATION LAW STUDENT REQUIREMENTS

You must be a law student attending the University of Maryland, Baltimore or the University of Baltimore and in your third and final year of school. You must submit a LARP General application by the deadline specified in the “When to Apply” section.  Our office must also receive documentation of your official, eligible job offer prior to January 1, 2018.

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Selection Procedure

Applicants will be grouped according to the eligible employment field. Within employment fields, individuals will be ranked according to graduation date, then application complete date. If individuals have identical graduation dates and application complete dates, applicants with the lowest income will be awarded first. Priority is given to individuals who have graduated from an institution of higher education in the last three years. Priority employment fields established by law are legal services and nursing. 

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Conclusion

Loan repayment assistance programs ("LRAPs") and loan forgiveness programs have emerged as a solution for relieving the debt burden of some law graduates.  LRAPs provide loan repayment or lower loan payments to graduates entering specific types of employment, usually law-related public interest jobs.