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Financing Law School

What Happens Once Classes Start

University of Denver Financial Aid

Fall semester classes are about to start, and there are a few things to keep in mind while enrolled at DU.

In-School Deferment
Do you have federal student loans that are still in repayment from undergrad or a previous graduate program? If so, those loans will go into in-school deferment. This means the payments on those loans will be deferred until you either graduate or drop below half-time enrollment (less than 4 credits). Most of the time, this happens automatically a couple of weeks into the semester, but some borrowers will need to submit verification of enrollment to their servicer. If you aren't sure, contact your servicer directly (you can find their contact information by logging into If you do need written verification of your enrollment, the Registrar's Office has how-to information on their website.

If you have a private student loan through a bank or credit union that is still in repayment, you'll want to contact your lender directly to see if in-school deferment is available while you're enrolled in law school. 

Most federal student loans—including previously borrowed loans and any new loans you borrow for the 2017-18 academic year—will continue to accrue interest throughout your time at DU. If you can, we highly recommend that you continue to make interest-only payments while enrolled. Although you aren't required to make these payments, doing so will help reduce the amount you must repay in the long run, as any unpaid interest will be added to the principle of the loan. Loan servicers regularly send statements to borrowers with information about the interest that has accrued, even for loans in deferment.

Enrollment Adjustments
When you submitted the FAFSA, you were assigned a cost of attendance (COA) based on the typical enrollment of students in your program. This COA—which is listed on your award letter—represents the maximum amount of aid (including loans) you can receive for the year. At the end of the 100% add/drop period each semester, we must verify your enrollment and, if necessary, make adjustments to your COA and financial aid.

The typical enrollment for each program is as follows:

  • Day JD students: 12-15 credits
  • Most LLM and master's students: 12-15 credits
  • Evening JD students: 8-11 credits
  • Part-time MSLA students:  4-7 credits

If you are enrolled in less credits than the typical enrollment for  your program after the 100% add/drop date (which is August 28th for fall semester), we must decrease your cost of attendance to reflect your actual enrollment, which will also decrease the total amount you are eligible to borrow. If you have already received a financial aid refund at that point, you may have to pay a portion of it back to DU.

If your enrollment will be different than what's listed above, we highly recommend that you submit an Enrollment Adjustment form. Doing so will make sure your COA and loan eligibility is correct.

Additional information about the enrollment adjustment policy is available on our website.


That's it for this week! Up next week: Adjusting Current Academic Year Loans

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