Telephone: (212) 854-7730
Fax:  (212) 854-7445   E-mail: Financial_Aid@law.columbia.edu

Our office is located on the 5th Floor of William & June Warren Hall at 115th Street and Amsterdam Avenue

The cost of financing a legal education can be daunting, but we in the Financial Aid Office are available to assist you in preparing to meet it. We are committed to clarifying the process of applying for financial aid so that you may explore various options that exist for funding your legal education. We encourage you to read this information carefully and use it as a reference guide to help make various avenues of funding available to you. Applicants to the LL.M and J.S.D. programs who are interested in grant assistance should note that the information in this financial aid section is intended primarily for students enrolling in the J.D. program at Columbia Law School.  The Financial Aid Office reviews grant applications for J.D. students only, and the Office of Graduate Legal Studies reviews grant applications for LL.M and J.S.D. candidates.

Columbia Law School awards grant assistance primarily on the basis of demonstrated financial need.  However, there are a number of fellowships not based on financial need that are awarded by the Admissions Office at the time an applicant is admitted to the Law School.  There is no separate application for these fellowships.

If you are interested in grant assistance, please be assured that Columbia Law School invests a significant amount annually towards reducing tuition costs for needy students who otherwise might not be able to attend. Unfortunately, in recent years the rise in educational costs has been considerably more rapid than our ability to meet need in this way. Consequently, while each year a substantial portion of the entering class receives a Law School grant, by far the largest form of financial aid for all law students is educational loans. Most students borrow from a variety of programs in order to finance a part, or all, of their educational expenses. Even if you receive large tuition grants each year, you may not be able to avoid substantial debt before you graduate, especially if you enter law school with loans from your prior education. You will be investing in your future, clearly the best  investment you can make. However, the investment will be considerable. For every $10,000 borrowed, a student can expect to pay at least $125 each month in debt service after graduation. So we urge you to be as prudent as you can be in the amount of debt you assume; how much you borrow now may affect your future choices in career and lifestyle.

Many students are able to limit their annual borrowing to the $20,500 (effective July 1, 2007) that the federal Stafford loan program makes available to eligible U.S. citizens and permanent residents. However, increasingly more individuals also need to borrow from credit-based educational loan programs in order to meet the student budget. Therefore, it is important to keep in mind that lenders require borrowers to be credit-worthy before approving a loan. If you have had problems with any creditors over late payments, disputed debts, or defaults of any kind, this is the time to resolve them so you may have access to important sources of loan funds. Students with an adverse credit history may not be able to secure the loans necessary to finance their education. If this is the case, you will need to have others borrow on your behalf, or find other means to finance your education. Please keep in mind that Law School funds will not be available to replace unavailable credit-based loans. We advise you to review carefully the section on "Credit," and to obtain a copy of your credit report. The major credit reporting agencies are listed in the "Credit" section of this site.

If you need further information after you review this site, please do not hesitate to contact us. Our major responsibilities include evaluating applications for financial aid, processing loan applications, and counseling students on how to manage the ever-increasing costs of a legal education. Please let us know whenever we can help you with any financial aid matters as you make your way toward a place in the legal profession.

Charles D. DeRubeis, Director of Financial Aid

Seandell James, Assistant Director of Financial Aid & LRAP Administrator

Yaa Dwamena, Financial Aid Officer

Rosa DelRosario, Financial Aid Assistant

Reservation of University Rights

This publication is intended for the guidance of Columbia students and faculty.  It sets forth in general the manner in which the University intends to proceed with respect to the matters set forth herein, but the University reserves the right to depart without notice from the terms of this publication.  This publication is not intended to be and should not be regarded as a contract.