Types of Financial Assistance for Law Students   

Financial Aid available for Law Students

Financial Aid
[email protected] | 973-642-8502 or 973-761-9000 ext. 8502

Paying for Law School

Seton Hall is committed to offering an affordable legal education to aspiring law professionals. From law school scholarships and grants to student employment and work study programs, to loan repayment plans, we work with students and their families to successfully meet their educational goals without risking their financial future. All students are encouraged to apply for financial aid after October 1 every year.

  • Law School Scholarships

    Law school scholarships help you meet educational expenses at little to no cost upon the acceptance of admissions essays, eligible LSAT scores and strong undergraduate GPAs. Students with strong credentials and application materials may receive scholarships that cover their full law school tuition. If you're interested in applying to law school, act soon as scholarship decisions are made on a rolling basis.

    Available scholarships:

    1. Merit Scholarships
    2. NJ State EOF Grant
    3. Endowed and Privately Funded Scholarships
    4. Outside Scholarships

    Explore the full list of available scholarships and grants


  • Financial Aid Eligibility Requirements/Policies

    In order to receive Federal Financial Aid, each student must meet the general eligibility requirements outlined below:

    1. Be enrolled or accepted for enrollment on at least a half-time basis* as a regular student in an eligible program.
    2. Be a U.S. citizen or eligible non-citizen with appropriate documentation.
    3. Register with Selective Service, if required.
    4. Have a valid Social Security number
    5. Maintain satisfactory progress, as defined by this institution, toward a degree.
    6. Meet the requirements of Section 668.40 of the Title IV Higher Education Act of 1965 concerning conviction for sale and possession of illegal drugs.
    7. Not be in default of a prior federal student loan.

    Enrollment Status

    JD Students must be registered for at least 5 credits each semester (fall and spring) and 4 credits in the summer semester to be considered half-time and eligible for financial aid.  MSJ and LLM students are considered half-time if they register for at least 5 credits in the fall and spring semesters and 3 credits in the summer semester.  Full-time or part-time eligibility for financial assistance is not the same as full-time or part-time status for purposes of ABA residence requirements (JD students.)  

    On-line MSJ students:  If you are enrolled in 2 consecutive online courses in a semester, you will reach half-time status at the beginning of the second course.  Please contact the Office of Enrollment Services if you have any questions.

    In-School Deferment

    Student loan deferral forms should be submitted to the Enrollment Services Office on the third floor for proper student status verification and processing.

    Satisfactory Academic Progress

    Federal regulations (CFR 668.34) require Seton Hall Law to establish, publish, and apply standards of Satisfactory Academic Progress (SAP) for Federal Title IV financial aid eligibility. The purpose of measuring and enforcing these standards is to ensure financial aid recipients’ progress towards degree completion using both qualitative (2.0 GPA) and quantitative methods (pace/maximum timeframe) in accordance with federal regulations.

    Students must meet or exceed these requirements in order to remain eligible for federal financial aid (Federal Work-Study, Federal Direct Unsubsidized, Federal Direct Graduate PLUS loan). Specific institutional, state, or privately funded donor scholarships may require a higher GPA than listed in this policy for federal financial aid programs.

    The standards of academic progress outlined in this policy are for the purpose of evaluating eligibility to continue receiving financial aid. They do not replace or modify academic standards required for continued enrollment at Seton Hall Law.

    Student Loan Code of Conduct

    In accordance with federal regulations, all Seton Hall Law employees whose job responsibilities include student financial aid, are expected to maintain exemplary standards of professional conduct and must adhere to the Student Loan Code of Conduct.

  • Veterans Education Benefits for Law School

    Seton Hall Law is thankful to our veterans and servicemembers and is committed to helping you and your families succeed.  The Office of Financial Aid/Enrollment Services certifies eligible veterans and their dependents for educational benefit payments.

    Learn more about Veterans Education Benefits for Law School



  • Student Loans

    Federal Loans

    Direct Stafford Loans

    The Direct Unsubsidized Stafford Loan is a federal loan borrowed directly from the U.S. Department of Education and administered by the school. The annual loan limit is $20,500 per academic year. Interest accrues on the Unsubsidized Direct Stafford Loan from the time the loan is disbursed until it is paid in full. Interest accumulated while in school or during other periods of nonpayment is capitalized (added to the principal amount of the loan), but a student has the option to make interest payments while in school.

    1. Interest Rate:  6.08% (for loans disbursed between July 1, 2019 and before July 1, 2020. The interest rate is fixed for the life of the loan.
    2. Origination Fee:  For loans disbursed between October 1, 2019 and September 30, 2020, 1.059 % will be deducted proportionally from the gross amount of each loan disbursement.
    3. Grace period: 6 months after graduation, withdrawal, leave of absence, or drop to less than half-time status.
    4. Repayment Plans: Federal Direct Stafford Loans have various payment options ranging from 10 years to 25 years, as well as income drive plans. We recommend that you utilize the Repayment Estimator as a guide in determining monthly payment amounts when you enter repayment.
    5. Aggregate Stafford Loan debt: $138,500, which includes undergraduate debt.
    6. Direct Loan Consolidation is available. 
    7. Application Procedures.

    Direct Graduate Plus Loan

    After applying for the Direct Unsubsidized Stafford Loan, Law students may apply for a Direct Graduate Plus Loan to cover remaining educational costs up to the Cost of Attendance minus all other estimated financial assistance. Direct Graduate Plus Loans are another option in addition to private (alternative) loans. Direct Graduate PLUS loans are credit based, meaning that a credit check is performed to determine eligibility for the Direct Plus Loan. Your credit score is not used in determining eligibility, however, borrowers must demonstrate that they do not have an adverse credit history*.& If adverse credit exits, the borrower may be approved for the loan by obtaining a credit worthy endorser (co-borrower).

    1. Interest Rate:  7.08% (for loans disbursed between July 1, 2019 before July 1, 2020. The interest rate is fixed for the life of the loan.
    2. Origination Fee: For loans disbursed between October 1, 2019 and September 30, 2020, 4.236% will be deducted proportionally from the gross amount of each loan disbursement.
    3. Grace period: 6 months after graduation, withdrawal, leave of absence, or drop to less than half-time status.
    4. Repayment Plans: Federal Direct Stafford Loans have various payment options ranging from 10 years to 25 years, as well as income driven plans. We recommend that you utilize the Repayment Estimator as a guide in determining monthly payment amounts when you enter repayment.
    5. Direct Loan Consolidation is available. 
    6. Application Procedures.

    *Please contact the Office of Enrollment Services for information on the definition of adverse credit history.

    Private Loans

    About Private Student Loans

    If you require additional funding to cover educational expenses (the Cost of Attendance) not covered by other sources of financial aid, you may borrow either a Federal Direct Graduate Plus Loan or a Private Educational Loan (offered by a private lender.)  Both are considered a part of your financial aid package.

    Since federal education loans are less expensive and offer better terms than private student loans, you should exhaust your eligibility for federal students loans before resorting to private student loans. Differences between federal and private student loans.

    Interest Rates

    Private student loans typically have variable interest rates, with the interest rate tied to an index, such as LIBOR or PRIME, plus a margin.  Some private loans do offer a fixed interest rate.  The LIBOR index is the London Interbank Offered Rate and represents what it costs a lender to borrow money. The Prime Lending Rate is the interest rate lender offers to their most creditworthy customers. A rate of LIBOR +2.8% is roughly the same PRIME + 0.0%. The spread between LIBOR and Prime has been growing over time. So all else being equal, it is better to have an interest rate pegged to the LIBOR index, as such a rate will increase more slowly than a rate pegged to the Prime index.

    Applying for a Private Loan

    You may borrow a private loan up to the amount listed on your award letter. Before borrowing a private loan, we encourage you to create a budget and seriously consider the minimum amount you will need to meet your basic expenses while in law school. We encourage to check out various in-school budget calculators such as the one available at FinAid. You must reapply each year for a private loan.  Additional information on the application process is available under Applying for Loans.


    Discover Bank

    NJ Higher Education Assistance Authority (NJCLASS)

    Sallie Mae

    Wells Fargo

    Bar Study Loans

    Bar Study Loans are available to graduating students to cover the cost of Bar Exam expenses, such as Bar Review Courses, Bar application fees, and living expenses incurred while studying for the Bar Exam. Bar Loans are private loans that require credit approval by independent lenders and eligibility depends on criteria established by the lender.

    Students and co-borrowers must also meet citizenship requirements as established by the lender. Funds are sent directly to the student. Typically, you may apply for a Bar Study Loan if you are enrolled at least half time in your final year of study at an ABA-accredited law school, or have graduated from one within the last 12 months.

    Please contact the Office of Enrollment Services for additional information.

    Managing your Debt

    Your Credit Counts!
    The interest rates and fees you pay on a private student loan are based on your credit score and the credit cosigner, if any. It is better to apply for a private student loan with a cosigner even if you could qualify for the loan on your own. Applying with a cosigner usually results in a better rate. 

    If you plan to utilize a private loan for living expenses to help finance your Seton Hall Law education, we recommend that you verify your credit report is accurate and in good standing. Credit reports frequently contain misinformation that can take time to correct. Obtaining a copy of your credit report early allows you to correct any adverse information prior to applying for a private loan. You should also periodically obtain a copy of your report while in school to ensure that your private loan eligibility in future years will not be affected because of adverse credit information.

    You are entitled to receive one free credit report file every 12 months from each of the nationwide consumer credit reporting companies.  You may obtain your free credit report from Annual Credit Report or by calling 1-877-322-8228.  Regularly checking a credit report from the three nationwide credit bureaus is a great way to fight identity theft.

    However, if you would like a copy of your credit score, you must purchase the credit score.  A credit score is a complex mathematical model that evaluates many types of information in a credit file.  A credit score is used by a lender to help determine whether a person qualifies for a particular credit card, loan (such as a private loan) or service.  Generally, the higher your score, the less risk you represent and the better rates you will be offered.

    The credit score may also be purchased though Annual Credit Report, or by contacting one of the three nationwide consumer credit reporting companies directly:

    P.O. Box 740241, Atlanta, GA 30374-0241  
    888.EXPERIAN (397-3742)
    P.O. Box 2002, Allen TX 75013  
    P.O. Box 1000, Chester, PA 19022  

    Should you obtain a copy of all three credit file disclosures simultaneously?
    It is entirely your choice whether you order all three credit file disclosures at the same time or order one now and others later. The advantage of ordering all three at the same time is that you can compare them (However, you will not be eligible for another free credit file disclosure from the Central Source for 12 months). On the other hand, the advantage of ordering one now and others later (for example, one credit file disclosure every four months) is that you can keep track of any changes or new information that may appear on your credit file disclosure. Remember, you are entitled to receive one free credit file disclosure through the Central Source every 12 months from each of the nationwide consumer credit reporting companies – Equifax, Experian and TransUnion – so if you order from only one company today you can still order from the other two companies at a later date.

    Additional information on private loans is available at the Office of Enrollment Services. 

  • Student Employment

    The Student Employment Program is managed by the Office of Enrollment Services in conjunction with the Office of Career Services.  Students may be hired in administrative positions in various departments in the Law School.  Upper class students may be hired as a Research Assistant for a faculty member or for certain departments.

    Positions are funded either from the Federal Work Study Program (FWS) or are Departmentally funded.  Once you have secured your position, the Financial Aid staff will determine the source of funding based on available funding.

    To qualify for FWS, you must demonstrative financial need, based on the FAFSA the Cost of Attendance, and other factors. Departmentally funded student employment is not counted as a part of your financial aid award package and you do  not need to demonstrate financial need. There are a limited amount of Federal Work Study funds provided by the Department of Education.  If you are awarded Federal Work Study, you will be awarded a specific dollar amount as a Financial Aid award.  This award is not deducted from your bill; rather, you will be paid based on the actual hours you work.

    1. To apply for these positions, you must first file a FAFSA.

    2. Full-time (9 or more credits), first year students can work a maximum of 15 hours per week during the academic year.

    3. Upper-class students can work a maximum of 20 hours each week during the academic year.

    4. Students may work up to a maximum of 29 hours per week during scheduled breaks (ex.spring break, summer).

    5. The rate of pay ranges from $10.00 to a maximum of $12.00 per hour.

    Summer Employment

    Enrollment in summer classes is not required for a student to be eligible to work in the summer; however, the student must be planning to return to Seton Hall Law for the fall semester. Summer Federal Work study earnings will decrease the amount of eligibility for FWS during the academic year, and may affect the student’s overall financial aid package for the upcoming fall/spring academic year. Students who are interested in working over the summer should contact the Office of Enrollment Services for additional details.

    Student Forms

    Once hired, students must submit the below forms to the Office of Enrollment Services. Work cannot commence until paperwork is approved by the Student Employment Coordinator.

    Student Employment Authorization Form - Not available online - obtain from the Office of Enrollment Services.

    Payroll Forms - all forms must be submitted to the Office of Enrollment Services.

    1. I-9 Employment Eligibility Verification

    2. W4 Employment Withholding Allowance Certificate

    3. Direct Deposit Payroll authorization Form


    All student timesheets can be completed via your LawNet/PirateNet account under the "Offices & Services" tab, then Student Employee Timesheet Approval.

  • Programs for Grads in Public Service/Interest Positions

    If you are employed by a government or non-profit organization, you may be eligible for loan forgiveness under the Federal Public Service Loan Forgiveness Program (PSLF). This program forgives the remaining balance on your Direct Loans after you have made 120 qualifying payments under a qualifying repayment plan. Graduates who are employed by a qualifying employer should complete the PSLF Employment Certification Form for each qualifying position.

    Seton Hall Law School also offers a Public Interest Loan Repayment and Assistance Plan (PILRAP) to recent graduates who are employed as an attorney with a qualifying public interest organization.