Law school applications: Nuts and bolts of tuition and financial aid

The first step in your financial planning is to figure out how much law school is going to cost.

Every school publishes its current tuition figures on its website.  Each school also calculates and publishes its annual “cost of attendance,” or COA (sometimes referred to as the “student budget”). This figure includes actual costs for tuition, fees, and school-provided health insurance, as well as estimated costs for books, rent, and food. It does not include transportation costs, entertainment, credit card debt service, or car payments. The COA gives you both a good gauge for your possible overall costs (should you receive no financial aid), but also indicates the amount the school will certify you to borrow from the federal government (or, in some cases, private sources). The school’s COA, minus any scholarships you receive, any savings you currently have, and any anticipated earnings, equals the amount you’ll be able to borrow.

Scholarship offers—most of which are merit-based these days—can vary widely from school to school. So you can’t really compare the cost of different schools until you receive your scholarship offers—in other words, “sticker price” is just the starting point, not the ending point in comparing costs. That said, as you might imagine based on your UMass experience, public schools generally have a lower posted tuition than private schools, but have less money to offer in scholarships. As of summer 2024, posted tuition and required fees at ABA-accredited schools ranged from just over $15,000 to over $85,000. Note that publics are not always that much less expensive: Berkeley (public) is within a couple thousand of Stanford (private). Similarly, cost doesn’t always follow ranking or selectivity — many less selective schools can be nearly as pricey as the more elite schools.

At most schools, you do not need to apply for the merit-based scholarships. Rather, law schools will offer you discounts at or near the time of your admission based on the attractiveness of your LSAT and GPA (and very occasionally other factors) to their overall profile. (See our scholarships page for much more detail.) But need-based aid—both scholarships and loans—requires an application.

Need-based financial aid applications vary from school to school, and are generally not submitted at the same time as you apply to law school. However, almost every school relies on the FAFSA for gathering information about your financial situation. You should plan to complete yours as soon as possible in January of the year you’re applying (you’ll need your own, and possibly your parents’, tax forms for the prior year). Some law schools have additional forms they require to be submitted. These are not available on the LSAC website, but only from each individual school. If you have questions, contact the school directly, and they’ll be happy to help you out. Note that need-based scholarships are offered at only a small minority of law schools (most offer only merit-based) and there is no federal scholarship aid (e.g., Pell grants) for graduate or professional school.

Once you accept an offer from a specific law school, you will work closely with its financial aid office to plan the financing of your education. They will guide you through the various programs and their requirements. Law school financial aid offices serve a much smaller population and tend to be more “user-friendly” than what you may be used to. Never hesitate to contact them with your questions and concerns. If, for example, you don’t agree with their determination of your existing resources (and therefore the amount they’re certifying you to borrow), give them a call and set up a meeting to discuss your situation. In all likelihood, they will work something out with you. (This makes more sense once you remember that very little law school financial aid comes in the form of need-based scholarships from the school; rather, it comes from federal loans. If you can’t afford the tuition, they’ll often simply certify you to borrow more, at no cost to the school.)

See more “Financing Law School” resources

See an overview of the entire application process