Tuition & Fees

Academic Calendar

Financial Aid

Golden Gate University School of Law administers a full range of programs to help students fund their education. Funding can be met with a combination of scholarships, federal work study, federal loans (Perkins, Stafford, PLUS) and alternative loans.

Golden Gate Law awards merit scholarships at the time of admission. If you did not receive a scholarship as an entering student, you may be evaluated for a continuing student merit scholarship after you complete your full first year of school.

Outside scholarships are available through various agencies. GGU Law maintains an online database of different agencies which send scholarship information to our office.

In order to be eligible for federal student aid, a student must:

• Submit a Free Application for Federal Student Aid (FAFSA)
• Be admitted and/or enrolled in the School of Law (at least on a half-time basis)
• Be a US citizens or permanent resident or have an eligible alien status
• Maintain satisfactory academic progress Satisfactory academic progress
• Have registered with the selective service, if required by federal law
• Not be in default on any Title IV loan nor owe a refund on any Title IV grant

A separate application is not required for financial aid. Students must complete the FAFSA or a Renewal FAFSA for those who received financial aid for the previous academic year. The FAFSA or Renewal FAFSA must be filed every year by the priority deadline of March 2. Please be sure to indicate in Section H on the FAFSA form that Golden Gate University is the college you plan to attend. Golden Gate University School of Law's Title IV Institutional Code is 001205-29.

Approximately three to four weeks after the federal processors receives your application, students will receive a Student Aid Report (SAR). Students should review the SAR carefully and make any necessary corrections. Correction can be made on line at www.fafsa.ed.gov or by calling 800-4-FED-AID. If no changes are needed, please retain the SAR for your records. The School of Law will receive the information directly from the federal processor. If a student is selected for verification, additional documents will need to be submitted. The School of Law Office of Financial Aid will notify you accordingly.

It is not always possible for GGU Law to meet every applicant's financial needs with the resources available. Sometimes, students need assistance to replace part or all of the Estimated Family Contribution (EFC) or to otherwise supplement their award package. Please note that the Estimated Family Contribution (EFC) was calculated based on the information provided by you and your spouse (if applicable) on the FAFSA. Parental information is not taken into account by GGU Law.

Federal Work Study (FWS) is a federally funded student financial aid program. The FWS program was designed to provide work experience while helping students offset the cost of education. Through this program, federal funds are used to pay a portion of the student's salary and the employer is responsible for the remainder. GGU Law offers the Public Interest Work Study program, which assists employers who cannot pay their share of the student's salary. Funding is limited under both programs. Priority is given to students who meet the FAFSA priority deadline and demonstrate financial need as defined by the federal processor and GGU Law. Students who accept FWS must submit a Work Study Interest form. Accepting FWS does reduce a students' additional loan eligibility for the remainder of the academic term. First year law students are not eligible to receive FWS.

The Perkins Loan is a deferred payment, deferred interest loan administered by the University. This loan is based on financial need and has a fixed interest rate of 5% per year. Repayment of the loan and interest accrual begins 9 months after the borrower graduates, leaves school or drops below half-time enrollment. The annual loan amount for graduate students is $8000 per academic year and the funds must be applied towards tuition expenses. Students accepting a Perkins Loan must complete the loan promissory papers in person in our office before the funds can be transferred to the student's account. First year law students are not eligible to to receive Perkins Loans.

GGU Law participates in the Federal Family Educational Loan Program (FFELP). FFELP loans are guaranteed by the federal government, but the borrower chooses the lender for the loan. There are two federal Stafford loans available for graduate students:

Subsidized Stafford Loan

The Subsidized Stafford Loan is a deferred interest, deferred payment loan. Effective July 1, 2006, Stafford loans have a fixed interest rate of 6.8%. The interest is paid by the federal government while the borrower is in school and during the grace period. Repayment of the loan begins six (6) months after the borrower graduates, leaves school, or drops below half-time enrollment. To participate in the subsidized loan program, applicants must demonstrate need. The annual subsidized loan limit is $8,500 for graduate students. In no case may a borrower's subsidized loan amount exceed his or her demonstrated need.

Unsubsidized Stafford Loan

Graduate students with limited or no eligibility for the Subsidized Stafford Loan may borrow through the Unsubsidized Stafford Loan program. In addition, graduate student borrowers may request an Unsubsidized Stafford Loan to supplement their Subsidized Stafford Loan eligibility. Terms and conditions are identical to those of the Subsidized program except that interest begins to accrue at the time of disbursement. The borrower has the choice of paying the interest while in school or waiting until repayment begins. Payment of interest and principal may be deferred until after the borrower graduates, leaves school, or drops below half-time enrollment. If interest payments are deferred, they are added to the principal borrowed and increase the amount on which future interest is calculated.

Effective July 1, 2007, the combined annual loan limit for graduate student borrowers from both the Stafford Subsidized and Unsubsidized loan programs is $20,500.

A 1.0% origination fee is applied to the amount borrowed and is subtracted from the gross loan amount before disbursement.

The PLUS loan is a federal loan available to credit worthy students in addition to the Stafford Federal Loans. Under the PLUS program, students can borrow up to the Cost of Attendance (COA) minus any aid awarded. PLUS loans are available to students who are enrolled on at least a half-time basis. The PLUS loan has a fixed 8.5% interest rate. Interest starts to accrue from the moment funds are disbursed to the school. PLUS loans have no grace period. However, lenders may offer optional forbearance, at borrower's request, to align entry of repayment with Federal Stafford Loans.

A 3.0% origination fee is assessed on the amount of PLUS Loan borrowed and is subtracted from the gross loan amount before disbursement to the school. In addition to the origination fee, there is a 1.0% default fee assessed by guarantee agencies.

Private loans are not guaranteed through the federal government and are based on an individual's credit rating. All lenders have different variable interest rates, repayment schedules and loan approval criteria. Some lenders offer interest rate reductions, principal reductions, or other borrower benefits that may reduce the cost of the loan. Interest starts to accrue from the moment funds are disbursed to the school. Most private loans have a six or nine month grace period after graduation or once enrollment falls below half time. Students are strongly encouraged to read the applications in their entirety before choosing/accepting a private loan.

All of our preferred lenders specialize in law student educational loans. Our preferred lenders offer competitive products, have excellent customer service records, and have great repayment incentives. Listed below you will find the contact information for our preferred lenders. We strongly recommend that you visit their web sites or obtain additional information from them to find out more on their individual programs. You may choose a lender not on our list, however, we cannot guarantee the timely receipt of funds from lenders not on our lender list.

TBD

In determining your cost of attendance (COA)/budget, Golden Gate University School of Law includes direct expenses (tuition and fees) and indirect expenses (room and board, books, supplies, transportation, and personal/miscellaneous expenses). The cost of attendance is calculated for a nine month period. The breakdown shown below is for the 2009-2010 academic year:

First Year Students

	Fall	Spring	Total
Full Time	17,080 (14 units)	19,520 (16 units)	36,600 (30 units)
Part Time	13,420 (11 units)	12,200 (10 units)	25,620 (21 units)
Registration Fees	145	130	275
Room and Board	7200	7200	14,400
Book Allowance	600	600	1,200
Transportation	608	607	1,215
Health Insurance	650	650	1,300
Personal/miscellaneous	2700	2700	5,400
Total COA Full Time	28,983	31,307	60,290
Total COA Part Time	25,323	24,087	49,410

Continuing Students

	Fall	Spring	Total
Full Time	17,080 (14 units)	17,080(14 units)	34,160 (28 units)
Part Time	10,980 (9 units)	10,980 (9 units)	21,960 (18 units)
Registration Fees	130	130	260
Room and Board	7200	7200	14,400
Book Allowance	600	600	1,200
Transportation	608	607	1,215
Health Insurance	650	650	1,300
Personal/miscellaneous	2700	2700	5,400
Total COA Full Time	28,968	28,968	57,936
Total COA Part Time	28,968	28,968	45,736