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Frequently Asked Questions
What is the Tufts Loan Repayment Assistant Program?
The Tufts Loan Repayment
Assistance Program (LRAP) is a university-wide program
that helps selected Tufts graduates working in public
service pay a portion of their annual Tufts incurred
education loan bills. Believed to be the first
university-wide program of this kind in the country, the
purpose of LRAP is to encourage and enable Tufts
graduates to pursue careers in public service and to
meet an unmet need by reducing the extent to which their
educational debt is a barrier to working in
comparatively low-salaried jobs in the public and
Who is eligible to apply?
All Tufts graduates who have earned undergraduate,
graduate or professional degrees, have incurred
educational loans for the purpose of attending Tufts as
certified by the Financial Aid Office at Tufts and are
employed full time by a public sector or nonprofit
(501c3 or equivalent) organization are eligible to
Can I apply for LRAP if my loans are
deferred or in forbearance?
All Tufts incurred loans
must be in repayment or in a grace period by the
application submission deadline date. Loans that are in
deferment or forbearance will not be considered for
What does Tufts certification of loans
Tufts certified loans are Federal and
alternative loans that were verified and certified in
the applicant's name through the Tufts University
Financial Aid office. Examples of loans that qualify
include: Federal FFEL/Direct Stafford, Federal Perkins,
Health Professions Student Loans (HPSL), Federal Plus
Loan for Graduate Students, Tufts Institutional, and
Alternative loans that required certification (i.e.,
MEFA, Citiassist, Sallie Mae, Chase, Wells Fargo).
Noncertified loans are loans that are not processed
through the Tufts University Financial Aid office. Such
loans include: home equity loans, personal loans or
loans that were acquired without the verification or
certification of a Tufts University Financial Aid
Applicants who have deferred payments,
have defaulted on their loans, or are delinquent on
their loan payments are not eligible for the program.
Loans must be in repayment or grace period status.
Do Parent Plus loans qualify for LRAP?
Parent Plus loans are certified through the Tufts
Financial Aid Office, they do not qualify for LRAP. The
borrower for the Parent Plus loan is the parent.
What are public sector organizations?
Organizations that deal with the delivery of goods and
services by and for the government, whether national,
regional or local/municipal. (i.e. City, State, and
Are graduates of Tufts
certificate programs eligible for this award?
unless they have also completed a Tufts degree program.
Is there a limit to when a Tufts degree was earned?
No, there is no limit, as long as all other requirements
Are Tufts employees eligible to apply?
Yes, if the employee is a Tufts graduate and repaying
Tufts incurred educational loans.
How can I apply?
The following must be submitted by e-mail, fax
Can I receive support from LRAP for multiple years?
Yes, but you
must reapply each year.
Is there a limit to the number of
years or the amount of support I can receive?
No; however, because the program aims to serve as many Tufts
graduates as possible, it is expected that individuals
may not receive an award if their ability to repay loans
increases over time and as the overall number of
What will determine if I
receive an award and how large of an award can I
The size of awards depends upon the overall
number of applicants, the amount of funding that is
available, an individual’s income, level of
indebtedness, and overall need.
- LRAP is intended to
help repay a portion of the recipient's annual loan
debt. This assistance should not be confused with loan
forgiveness, as it is not intended to cover entire loan
Can I apply to LRAP before I take a job
with a public-sector or nonprofit organization?
you must be working full time for a public sector or
nonprofit organization by the application deadline of
If I take a job with a
public-sector or nonprofit organization, can I count on
receiving an LRAP award?
While the program aims to
serve as many alumni as possible, there is no guarantee
that any individual will receive an award.
Are LRAP awards taxable?
Tufts LRAP is structured so
that awards should not be taxable, pursuant to special
federal income tax rules that apply to the discharge of
student loan debt (26 U.S.C. § 108(f)).
If I receive an award and stop
working or change jobs during the year, how will that
affect my award?
Any changes to your employment
status must be reported to the LRAP office immediately.
Failure to provide this information may result in the
repayment of partial or all award monies received.
If qualified employment is not achieved within 30 days
or is replaced by non-qualified employment, the
severance date of qualified employment will initiate
repayment. For example:
An applicant has employment
which qualifies him or her to apply for LRAP as of the
9/1 application date.
The applicant fails to meet
the required nine months of continued employment after
this date and terminates employment on 3/1, six months
after the application date.
The applicant then has
30 days - until 4/1 - to begin working for another
If the applicant moves to the
private sector, or does not find new qualified
employment, the applicant will have to repay the three
month portion of the loan covering 3/1 (the last day of
employment) until 6/1 (last day of the nine month
- Repayment will begin the month
following the last date of qualified employment. In this
case, repayment for the final portion of the loan will
How is the Tufts Loan Repayment
Assistance Program being financed?
Funds are provided
from the Omidyar Tufts Microfinance Fund and the Hargens
Loan Repayment Assistance Fund.
Can I apply for
assistance from more than one school at Tufts?
the program is open to graduates of multiple schools and
of joint or dual degree programs.
Who can I talk to if I have
LRAP, Tufts University, 419 Boston Ave, Dowling Hall - Room 770, Medford, MA, 02155
| Tel: (617) 627-4440 |
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