Cardozo's Office of Student Finance (OSF) is committed to using its resources to help admitted students attend the law school.
A wide range of financial aid is available for eligible students, which can include institutional merit scholarships, need-based grants and loans, as well as federal and private student loans, and other external resources. Financial aid may be used to assist with students' cost of attendance expenses, such as tuition, fees, and living expenses.
Students who determine that they may need to utilize student loans in order to help finance their legal education, should carefully review the student loan information provided on our website. We encourage students to review our Debt Management webpage, which provides details pertaining to student loan repayment options, loan forgiveness, and short and long-term financial planning. We offer one-on-one financial aid counseling for newly admitted and currently matriculated students, as well as for graduates. Please feel free to contact us if you have any questions or if you would like to set up an appointment.
Students may also utilize our various payment options, including our monthly payment plan program, online banking, credit cards, and wire transfers.
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email Email
- phone Phone 646-592-6249
OFFICE HOURS
Monday - Thursday: 9am - 5:30pm
Friday: 9am - 2:30pm
Please Note (as of 1/17/23) - due to repairs on the building from a series of water pipe breaks, Student Finance will only be open remotely during the office hours indicated above until further notice.
Please feel free to contact us via email, phone, or online chat during office hours.
The law school is fortunate in having endowed scholarships in place, so that more than $1 million is available annually for need-based grants. In addition, each year some students are awarded funds entirely on the basis of merit as determined through their application for admission; no additional application is necessary for merit scholarships.
Long-term education loans are the primary source of financial assistance. Federal, Cardozo and private loan programs ensure that virtually every student who needs it can receive some kind of financial aid for tuition and/or living expenses. Using a standard national application (FAFSA), a student’s financial need is calculated by a uniform system.
Financial Aid for the 2022-2023 Academic Year
Semesters: Summer '22, Fall '22, and Spring '23.
Financial Aid Applications (Priority Deadline: April 1, 2022)
Financial Aid for the 2023-2024 Academic Year
Semesters: Summer '23, Fall '23, and Spring '24.
Financial Aid Applications (Priority Deadline: April 1, 2023)
- If you anticipate requiring financial aid for the 2023-2024 academic year, please file your 2023-2024 FAFSA by visiting HERE.
- International J.D. Students: Please click HERE to file your 2023-2024 International J.D. Student Financial Aid Application.
Income-Driven Repayment Plans
The Department of Education offers several income-driven repayment plans, such as two versions of Income-Based Repayment (IBR), Pay As You Earn (PAYE), and Revised Pay As You Earn (REPAYE), which are designed to assist federal student loan borrowers with more manageable and reduced monthly repayment options. For a detailed comparison of the income-driven repayment plans, please visit HERE.
Public Service Loan Forgiveness
Student loan borrowers who work in the public sector (government or public interest) may qualify for loan forgiveness through the federal Public Service Loan Forgiveness (PSLF) program. For details on this program, please visit HERE.
Loan Repayment Assistance Program
Cardozo offers a Loan Repayment Assistance Program (LRAP) for eligible Cardozo J.D. graduates who have chosen to pursue careers in public service by providing funding to help reduce their educational student loan debt. For details on Cardozo's LRAP, please visit HERE.
Federal Student Loan Interest Rates
Federal student loans disbursed on or after July 1, 2022 through June 30, 2023, will have the following fixed interest rates:
- Unsubsidized Stafford: 6.54%
- Graduate PLUS: 7.54%
Please note the following:
- Loans disbursed during the above mentioned dates will be fixed for the life of the loan (during school and repayment).
- Interest rates are scheduled to reset every July 1st based on the 10-Year Treasury Note Index plus a set add-on.
*Due to the pandemic, federal student loan interest rates (Stafford and Graduate PLUS) are currently set at 0%, effective March 13, 2020, and extended until the U.S. Department of Education is permitted to implement the Biden Administration's debt relief program or the litigation is resolved. If the program is not implemented and the litigation is not resolved by June 30, 2023, interest will resume 60 days after this date. This temporary provision overrides any previously set federal loan interest rates, and the current rate indicated above. The 0% rate will not be fixed for the life of the loan. Once interest accrual resumes, the rate will be based on the official annual rate from when the loan disbursed.
Direct Deposit Refunds
Cardozo offers direct deposit for student refunds. Click HERE to enroll.
Emergency Funding: The Petrie Fund
The Carroll and Milton Petrie Foundation Student Emergency Endowment Fund is an additional resource for law students with short term financial emergencies.
Through the Petrie Fund, Cardozo can provide emergency grants to students with significant financial need in good standing who have short-term financial emergencies. If you are a current student in need of such assistance, please meet with a member of the office to discuss your situation.
For more information, please email Student Finance at cardozostudentaid@yu.edu or Student Services at cardozostudentservices@yu.edu