Repayable Allowance Program
To assist students-at-law who experience difficulty in obtaining financial assistance to meet their educational costs, the Law Society provides the Repayable Allowance Program:
In 2001, the Law Society of Ontario established the Repayable Allowance Program (RAP), a program offering financial assistance to candidates enroled in the Licensing Process who demonstrate need and have exhausted all other sources of funds. The RAP is a program of last resort for candidates who are struggling to pay their licensing fees and/or meet their living expenses during the Licensing Process.
The maximum Repayable Allowance permitted is $5,000 per candidate per calendar year. The program maximum is $10,000 per candidate. Application forms must be submitted at least 30 business days prior to the examination payment deadline or the Law Practice Program payment deadline to allow sufficient time for consideration.
In order to apply for the RAP, applicants:
- Must be currently enroled in the Licensing Process, and must be scheduled to sit the licensing examination(s) or scheduled to commence the Law Practice Program/Articling Program. Candidates are not eligible to apply if the scheduled examination date or the Law Practice Program/Articling Program start date is more than 3 months away
- Must have exhausted all other sources of funding available to them including student loan programs
RAP Applications are considered by the Financial Assistance Committee. In considering a RAP application, the Committee considers the following criteria:
- Debt load
- Inability to obtain financial assistance elsewhere
- Employment status
- Articling salary
- Number of dependents
- Personal & household income
Pursuant to the Law Society’s commitment to Equity and Diversity, additional consideration will also be given to individuals from the following communities, which are currently under-represented in the legal profession in Ontario:
- Indigenous Peoples
- Racialized Community
- Persons with Disabilities
- Mature candidates (40 years of age and older)
- Single parents
- Candidates with dependents and a low family income
Interest Rate and Payment Obligations
Please see Repayable Allowance Agreement.
Repayable Allowance recipients may apply for forgiveness of repayment on compassionate grounds, such as medical disability, or on grounds of inadequate income. Forgiveness applications will be heard by the same Committee as RAP applications and are provided to recipients once their loans become due.
Monthly Payment Plan
The Monthly Payment Plan allows candidates to pay their licensing fees, in equal monthly installments via credit card, over a five or ten-month span, depending on the plan selected by the candidate. Candidates who wish to enrol in this plan must review and submit the Monthly Payment Plan Enrolment Form (PDF) by the relevant deadline indicated on the form.
When considering the prescribed term of your payment plan (either the five or ten month term as indicated on the enrolment form), please ensure you consider when the final payment will be processed and when you intend to be licensed, Candidates cannot be licensed if they have outstanding fees and have not made the remaining payments as agreed to under the plan. If you wish to be licensed sooner than when the plan concludes, you will be required to make payment in full for all outstanding fees on your account.
Payment amounts are calculated using the current account balance reflected in your online account. Please refer to the enrolment form for details on how to calculate your monthly payment amount. Payments are processed on the 15th day of each month (or on the next available banking day). If you wish to include only certain invoiced items in the payment plan, please contact the Accounts Office at firstname.lastname@example.org. Otherwise, all invoiced Licensing Process Fees will be included in your payment Plan. Note: If you are invoiced for an examination, study material fees or the experiential training fee after you commence the payment plan, you must contact the accounts office in writing if you wish to add those charges to the payment plan. Any newly added items will increase the monthly payment amount accordingly.
Any changes in credit card information must be communicated to the Accounts Office at least five business days before the processing/transaction date. Please email any changes to your credit card information to the attention of the Accounts Office at email@example.com . Any changes received short of the five business day deadline will be reflected in the following month’s withdrawal. Please ensure you have adequate funds on your card in order to avoid a declined payment transaction.
Preloaded credit cards and Visa debit cards will not be accepted.
A notification email will be sent to you when a new invoice is posted to your online account.
Please ensure you also review the section on “Rejected Transactions” on the General Billing Information for Fees and Billing page and Payment Information, prior to applying for this plan.
Monthly Payment Plan Enrolment Form (PDF).
The Right Honourable Paul Martin Sr. Scholarship
The Harold G. Fox Education Fund
Immigrant Access Fund (IAF)
If you are an internationally trained immigrant in another country and have recently immigrated to Canada, the IAF loan may assist you financially with your licensing fees. Please visit the Immigrant Access Fund website for more information.