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Financial Assistance

Repayable Allowance Program
Monthly Payment Plan
Scholarships 
Windmill Microlending


 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 any registration deadline to allow sufficient time for consideration.

Eligibility

In order to apply for the RAP, applicants: 

  • Must be currently enrolled 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

Criteria

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
  • Assets
  • Employment status
  • Articling salary
  • Number of dependents
  • Expenses
  • 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
  • Francophone
  • Racialized Community
  • Lesbian/Gay/Bisexual
  • Transgender/Transsexual
  • 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 Financial Assistance Committee and are provided to recipients upon request, once their loans become due.


 Monthly Payment Plan

The Law Society has transitioned to an online self-service enrolment platform for the monthly payment plan, starting in the 2019-20 Licensing Year.

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 agree to monthly pre-authorized charges to be made on their credit card, in equal installments. All candidates must review the information available on the Fees and Forms page regarding General Information on Fees and Billing, Payment Information, and the Fees Schedule before enrolling in the plan. 

Candidates may self-enrol by logging into their Law Society account and selecting the link at left regarding the Monthly Payment Plan. Only eligible invoices will be available to add to the payment plan (Licensing Examination fee(s), Study Material fee(s) and the Experiential Training fee). All other invoices must be paid in full by the prescribed deadline listed on the invoice. Candidates will only be able to enrol in the plan by the specified deadlines listed on the Dates to Remember page. Once the deadline to enrol in a payment plan has passed, candidates must pay all fees in full by the required payment deadline(s) if they wish to write a licensing examination or complete experiential training.

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.

Candidates enrolling in a payment plan will be expected to review and agree to the terms and conditions of the plan as well as note the dates on which preauthorized payments will be charged to their credit card. Payments are processed on the 15th day of each month for the duration of the plan selected. More information on the terms and conditions will be available when enrolling in the plan.

Candidates may not add or remove invoices from the plan once the plan has commenced and pre-authorized payments have been made. If any pre-authorized transaction is rejected by the credit card company during the duration of the plan, all fees become due for services rendered and candidates are required to make full payment by the invoice deadline so as not to jeopardize registration and enrollment in any component of the Licensing Process.

Preloaded credit cards, debit cards or electronic funds transfers will not be accepted. VISA, MasterCard and Amex are the acceptable forms of payment accepted under this plan.
 
Note: A non-refundable administrative fee will be charged for each plan a candidate enrols in. The five-month plan administrative fee is $50 plus applicable taxes and the ten-month plan administrative fee is $100. This non-refundable fee will be charged to the candidates’ credit card at the time a candidate enrols in the plan online.


Scholarships

The Right Honourable Paul Martin Sr. Scholarship

The Harold G. Fox Education Fund 


Windmill Microlending

If you are an internationally trained immigrant in another country and have recently immigrated to Canada, the Windmill Microlending loan may assist you financially with your licensing fees. Please visit the Windmill Microlending website for more information.