Three Keys to Managing Student Loans

Vol. 42 No. 2


Heather Jarvis is an attorney and student loan educator and is the founder of

Although law school is expensive and most law students graduate with significant student loan debt, reducing the costs that are within your control, choosing federal over private loans, and understanding your repayment options will go a long way toward successfully managing your debt.

Ideally, your total debt would be less than your expected starting salary, but law students often need to borrow significantly more. Lawyer starting salaries tend to cluster around the $40,000 to $65,000 range (source: NALP), and a typical law student borrows about $75,000 to attend a public law school or $125,000 to attend a private one (source: ABA).

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