Financial Aid

For many law students, it's necessary to apply for financial aid to help finance their legal education. Federal student aid includes federal loans and work-study. Develop your plan early to determine the best fit.

Cost-of-attendance

You are eligible for federal loans up to your full cost-of-attendance budget. Your combined scholarships and loans cannot exceed your cost-of-attendance budget.

Loans

Many law students consider the following student loans. While loans may help fill a financial gap, it is important to only borrow what you need.

Direct Unsubsidized Loans (federal)
Direct Grad PLUS Loans (federal)

Work-Study

Federal Work-Study will help you pay for expenses while you gain valuable work experience. You'll receive work-study funds as you earn them in the form of biweekly paychecks. Work-Study is only available to eligible J.D. students after completion of two semesters. Accepting a work-study award may reduce your federal student loan eligibility. To learn more, visit myUT (login required) > Law > My Financial Aid > Federal Work-Study Overview.

Applying for Aid

To apply for financial aid, complete the Free Application for Federal Student Aid (FAFSA). The federal site also offers step-by-step guidance on filling out your FAFSA.

UToledo's federal school code is 003131. Consider using the Internal Revenue Service Data Retrieval Tool (IRS DRT) to transfer your tax information automatically. Note that if you file taxes after FAFSA submission, you are required to update your FAFSA application.

Submit FAFSA

Financial Aid FAQ

When will I know how much loan money I can receive?
In April, you'll receive a message at your UToledo email from the Office of Student Financial Aid notifying you of your loan offer.

How do I review my loans and scholarships?
To review your financial aid offer, visit myUT (login required) > Law > My Financial Aid > Accept Aid/Loans.

What if I need more money?
Financial aid is limited by the cost-of-attendance budget. The cost-of-attendance budget includes direct expenses like tuition and fees, and indirect expenses like housing and personal expenses. In special circumstances, our Law Financial Aid staff may increase your cost of attendance for the purchase of a computer, child care or medical expenses.

When do scholarship and/or loan funds disburse?
Scholarships and loans disburse on your first day of classes each term.

How will I receive my scholarship and/or loan funds?
After your University balance is paid, any remaining funds will be refunded to you for educational costs, including housing and personal expenses. Consider enrolling in direct deposit to avoid any refund delays.

Do I have to apply every year?
You must submit a new FAFSA each academic year, beginning in December.

What do I need to do to remain eligible for federal loans?
To remain eligible for federal aid, you must be enrolled in graduate or professional courses at least half-time (6 credit hours) and demonstrate satisfactory academic progress. This includes participating in classes and earning passing grades. Course drops, withdrawals, and failed classes may cause a reduction in aid for the term and loss of future aid.

When do I begin repaying my loans?
For a Direct Unsubsidized Loan, repayment generally begins six months after you graduate or drop below half-time enrollment (less than 6 credit hours). Explore federal loan repayment plans to find the best fit. If you have concerns about repaying your federal loans, consider an income-driven repayment plan or deferment.

Questions?
Toledo Law Admissions
419.530.4131
law.admissions@utoledo.edu