OFFICE HOURS 

Monday - Thursday: 9am - 5:30pm

Friday: 9am - 2:30pm

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. 

Semesters: Summer '24, Fall '24, and Spring '25.

Financial Aid Applications (Priority Deadline: April 1, 2024)

• If you anticipate requiring financial aid for the 2024-2025 academic year, please file your 2024-2025 FAFSA by visiting HERE. Federal School Code: 002903
• International J.D. Students: Please click HERE to file your 2024-2025 International J.D. Student Financial Aid Application.

Changes to the 2024- 2025 FAFSA: 

• The number of questions on the FAFSA has decreased from over 100 to less than 50. 
• The EFC (Estimated Family Contribution) is now the Student Aid Index (SAI). 
• Students can list up to 20 schools on their FAFSA via the online application. 
• Applicants will be asked to report their sex, race, and ethnicity on the FAFSA itself, but students will be offered a choice of “Prefer Not to Answer”. Schools and states won’t see responses to these questions on the FAFSA. 
• The Data Retrieval Tool (DRT) has been renamed the Federal Taxpayer Information (FTI) 
• Students will now need to provide their consent in the new Consent to Retrieve and Disclose Federal Tax Information section of the FAFSA for federal student aid eligibility. 
• This consent will allow the IRS to share FTI. 
• If any party to the FAFSA form does not provide consent, submission of the form will still be allowed. However, a Student Aid Index (SAI) will not be calculated. 

For additional information about FAFSA Simplification and the enhancements to the 2024-2025 FAFSA, please review the Department of Education webpages: 

• FAFSA Updates 
• FAFSA Videos 

Please visit https://cardozo.yu.edu/formsandhelpfullinks for information on YU's / Cardozo's Student Health Insurance Plan (SHIP)

Federal student loans disbursed on or after July 1, 2024 through June 30, 2025, will have the following fixed interest rates:

• Unsubsidized Stafford: 8.08%
• Graduate PLUS: 9.08%

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.

The U.S. Department of Education’s COVID-19 relief for student loans ended during the fall of 2023. Federal student loan interest rates and payments were paused starting on March 13, 2020. Student loan interest has resumed on September 1, 2023, and payments have resumed in October 2023. 

Students enrolled in school (at least half-time / 6 credits per semester) will continue to receive in-school loan deferments. Interest will accrue on unsubsidized Stafford loans and Graduate PLUS loans while borrowers are in school, however, payments will not be required until approximately 6 months after graduation. 

The Department of Education offers several income-driven repayment plans, such as Income-Based Repayment (IBR), Pay As You Earn (PAYE), and Saving on a Valuable Education (SAVE), 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.

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.

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.

Secure Dropbox for Cardozo's Office of Student Finance. We recommend using our Dropbox when submitting sensitive documentation to our office (ex. copies of financial forms, passport, social security card, driver's license, verification and tax forms, etc.). 

Cardozo's Office of Student Finance Dropbox, click HERE. 

Cardozo offers direct deposit for student refunds. Click HERE to enroll.

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

Office of Student Finance Code of Conduct