How can I avoid law school debt?

Asked by: Mr. Gunner Schroeder II  |  Last update: January 25, 2026
Score: 4.7/5 (25 votes)

How to Avoid Significant Law School Debt
  • Save Money Before Attending Law School.
  • Apply to In-State Public Law Schools.
  • Perform Well in College and on Your Law School Entrance Exam.
  • Find an Employer Who Will Subsidize Your Legal Education.
  • Apply to Law School Only When You're Ready.
  • Apply for Multiple Scholarship Programs.

Is it possible to go to law school without debt?

Sure. Just save up the money to go to an affordable law school, and go. That means North Dakota, South Dakota, Missouri, Arkansas. One of those places. It might take you five, or even 10 years to save up the money, but then you'll have it. And you can go to law school debt free.

How can I reduce my law school debt?

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.

How can I avoid paying for law school?

The best way to attend law school with no money is to apply for scholarships or make yourself a prime candidate to be offered scholarships.

How to go to law school if you can't afford it?

  • Take out student loans thru the federal government
  • Do well on the LSAT. Apply to a lower-tier law school where your LSAT score is well above the 75th percentile LSAT score for that law school. They will likely offer you a near-full to full scholarship.

How To Pay Off Student Loans Quickly

45 related questions found

How do people afford law school without working?

Financial aid can cover the FULL COST of attendance established by the school you attend, if needed. IF YOU NEED TO BORROW loans for this important investment in your future, the flexibility and safety of the federal student loan programs lets you afford repayment of any federal loans you borrow, regardless of career.

Does FAFSA pay for law school?

While FAFSA can provide you access to various federal student aid programs, getting full financial aid only through FAFSA is rare. Many law schools also offer scholarships and institutional aid, so it's advisable to explore multiple funding sources to cover the cost of law school.

How bad is law school debt?

Of lawyers surveyed by the American Bar Association (ABA), 85 percent borrowed money to cover their studies, with the average law school debt exceeding $100,000. Luckily, there are a few alternatives law school grads can explore to reduce their debt burden and make payments more manageable.

How to get a law degree for free?

How to Go to Law School for Free
  1. Attending Lower-Ranking Law Schools for Higher Scholarships.
  2. Working for Law Firms with Tuition Reimbursement.
  3. Applying for Fee Waivers.
  4. Leverage Every Scholarship and Grant Opportunity.
  5. Look Into Loan Repayment Assistance Programs.
  6. Military Service Commitments.

What LSAT score do I need to get a full ride scholarship?

What LSAT Score Do I Need for a Full Scholarship? It depends on what type of scholarship you're hoping to be granted. Needs-based scholarships don't require a high LSAT score. However, to be considered for a merit-based scholarship, it's wise to have a score close to 170.

Is it hard to pay off law school debt?

It takes discipline, patience and a strict budget. Most important, it takes a plan. “Graduating with six figures of debt isn't easy,” according to the website Student Loan Hero. “With the average amount of law school debt coming in at more than $139,000, it's the second-most expensive graduate degree out there.

Can you negotiate law school tuition?

While some schools state openly negotiations are not an option (do not even try at these schools), many will entertain a dialogue to assist students with a financially feasible way to pay for school.

Is law school mentally draining?

Specifically, 96% of law students suffer from significant stress, compared to only 70% of medical students and 43% of graduate students in all fields.

How to lower the cost of law school?

Position Yourself for Scholarships

Institutional scholarships – money from the law school itself that you don't have to repay – are among the best ways to reduce tuition costs.

Can you go to law school and work full time?

Even though the American Bar Association (ABA) dropped their 20 hour a week work limit for full-time law students, many law schools themselves typically limit how many hours a law student can work per week, making it impossible for a professional to keep a full-time job while also attending law school.

Will the government pay for law school?

Law students with no adverse credit may borrow the Direct Grad PLUS Loan from the US Department of Education to help cover their education costs. If you do have adverse credit, you can apply with an “endorser,” who must be a US citizen or permanent resident and who does not have adverse credit.

How to pay for law school if you're poor?

You can borrow up to the remaining cost of attendance at your law school, minus other aid you've received. You can apply for all federal student loans by completing the Free Application for Federal Student Aid, or FAFSA.

Is 30 too old for law school?

It's never too late in life to apply to law school. Although most applicants are under 25, about 1 in 5 are 30 or older and a much smaller proportion are over 40.

Can I take the LSAT for free?

LSAC has established a fee waiver program to help avoid denial of access to legal education due to an inability to pay for the LSAT and other essential application services.

How to go to law school with no debt?

How to Avoid Significant Law School Debt
  1. Save Money Before Attending Law School.
  2. Apply to In-State Public Law Schools.
  3. Perform Well in College and on Your Law School Entrance Exam.
  4. Find an Employer Who Will Subsidize Your Legal Education.
  5. Apply to Law School Only When You're Ready.
  6. Apply for Multiple Scholarship Programs.

How many people regret going to law school?

Law School Regret by the Numbers

Only 35 percent said law school prepared them well for practicing. Only 20 percent strongly agreed that their law school was worth the cost. Thirty-eight percent said they were struggling financially; 30 percent said they were "suffering"

How long to pay off 200k law school debt?

How long does it take to pay off $200,000 in loans? If you choose the standard 10-year repayment plan, you'll pay off your loans in a decade. Longer plans, like those with 15- or 20-year terms, reduce monthly payments but significantly increase the total interest you'll pay over time.

Do law schools consider parents' income?

All graduate and professional school students are considered financially independent of their parents for the purposes of determining federal aid eligibility.

What is the average LSAT score?

The LSAT is scored on a 120–180 scale. The average LSAT score is about 153. This relatively small range of scores means that small improvements in performance can increase your score quite a bit.

How much can I borrow for law school?

Direct Unsubsidized Loans

Law school students (and other graduate students) can take out up to $20,500 in Direct Unsubsidized Loans per year regardless of their financial need. However, there is an aggregate limit on how much you can borrow.