Judge Advocate General's Corps (AFJAGC) Student Loan Repayment Program (SLRP)

Regular Air Force: Active Duty

Benefit Fact Sheet

Summary

Air Force Judge Advocate General's Corps (AFJAGC) Student Loan Repayment Program (JA-SLRP) is a special incentive that may be offered to highly qualified JAG Officers entering and serving in the Air Force with JD degrees.  Under the SLRP, the Air Force will repay part (maximum $65,000) of a Service member's qualifying student debt.  JA-SLRP is a program for JAGC Officers who demonstrate a high caliber of professionalism and leadership excellence and who are serving in the United States Air Force JAG Corps.  JA-SLRP is not an entitlement and is contingent on funding and on The Judge Advocate General's approval.

Eligibility

Judge Advocates must meet the following requirements for each completed year of AFJAGC service.

  • Be an active duty Air Force officer

  • Be qualified, designate, and serving as a judge advocate (defined in Title 10 U.S. Code Section 801, Section 8067)

  • Be serving in an initial AFJAGC active duty service commitment of at least four years

  • Not eligible for Judge Advocate Continuation Pay or other bonus during the qualifying year of service, regardless of whether bonus is applied

  • Have a qualifying loan (details in Benefits Highlights)

  • Maintain highest levels of ethical, professional and personal conduct and legal proficiency

  • Not in any of the categories of restriction described in DAFI51-101. (Note: There are exceptions for certain Air Reserve Component judge advocates and judge advocates who initially attended law school under Excess Leave Program.)

Benefit Highlights

Judge Advocates become eligible for JA-SLRP after completing first, second and third years in AFJAGC. Judge Advocates who are awarded JA-SLRP will continue to serve in the United States Air Force JAGC for at least four years, while loan payments are made for three years, beginning at the end of the first year of service.

Payments will not exceed $21,666.67 for each of the first and second years of AFJAGC service and $21,666.66 for the third year of AFJAGC service. JA-SLRP payments are limited to 33 1/3 percent of a loan’s outstanding unpaid principal or $1,500.00, whichever is greater, for each completed year of service, unless the unpaid principal balance is less than $1,500.00. In that case, a JA-SLRP payment cannot exceed that loan’s remaining unpaid principal balance.

graduation cap on top of a pile of money Payments are made directly to the judge advocate’s educational loan lender or holder. JA-SLRP payments are subject to federal and state income taxes in the year they are made to the lender. A percentage of each loan payment will be withheld as federal income taxes, reducing the amount paid to the lender. The full amount of the payment, however, counts toward the maximum program and statutory limitations.

Interest on the remainder of the educational loan shall accrue as specified by the judge advocate’s lender after each payment is applied. For each year of service a judge advocate accepts JA-SLRP, that year of service does not count as qualifying active duty service for Post-9/11 GI Bill eligibility. Each completed year of service refers to a judge advocate’s first, second, and third years of AFJAGC service.

Eligible loans:

  • Existing loans: Loans in existence on a judge advocate’s extended active duty for direct appointees and ROTC graduates, date designated as a judge advocate for Excess Leave Program or effective transfer date for eligible inter-service, inter-component, or competitive category transfers are eligible for loan repayment.

  • Any loan made, insured, or guaranteed under Part B, Title IV of the Higher Education Act of 1965 (20 U.S.C. 1071 et seq)

  • Any loan made under Part D, the William D. Ford Federal Direct Loan Program (20 U.S.C. Chap 28, sub chap IV)

  • Any loan made under Part E the Federal Perkins Loans (20 U.S.C. Chap 28, sub chap IV)

  • Any loan incurred for educational purposes made by a lender that is:

    • An agency or instrumentality of a State

    • A financial or credit institution (including an insurance company) that is subject to examination and supervision by an agency of the United States or any State

    • A pension fund approved by the Under Secretary of Defense for Personnel and Readiness for the purposed of this program

    • A non-profit private entity designated by a State, regulated by such State, and approved by the Under Secretary of Defense for Personnel and Readiness for the purposes of this program.

  • Consolidation Loans: Eligible loans that are consolidated or restructured after the eligibility dates may also be eligible for JA-SLRP. Only the eligible judge advocate’s educational loans qualify for repayment under JA-SLRP. If a judge advocate consolidated, or consolidates, their educational loan(s) with another person’s ( e.g., a spouse’s) educational loan(s), only the eligible judge advocate’s portion of the resulting consolidated loan qualifies for repayment under JA-SLRP. The eligible judge advocate must provide documentation that clearly establishes what part of the remaining unpaid principal is attributable to the judge advocate’s educational loans.

Loans must be in good standing. Judge advocates may defer or forbear loan payments, as long as the loan remains in good standing with the lender.

Eligibility for JA-SLRP does not relieve judge advocates from continuing to satisfy their loan obligations

Participation in JA-SLRP does not result in an additional Active Duty Service Commitment, however, judge advocates who separate prior to completing their initial four years may not be entitled JA-SLRP.

Exception to Policy:

Judge Advocates who failed to submit an application for payment or that were denied payment by the AFJAGC can request an exception to this policy and request to participate in SLRP during the following year(s), unless the failure to submit the application or the denial of payment occurs in Year 3 of the SLRP program (the last year of eligibility).

An exception to policy request will be submitted in writing and addressed to the AF/JAX Director at least 45 days prior to the following year’s eligibility window. Be sure to include the concurrence of all levels of the judge advocate’s functional chain of command.

Additional Information

Air Force Student Loan Repayment Program
https://www.airforce.com/careers/specialty-careers/jag/benefits/education-benefits

Department of Air Force Instruction 51-101, The Air Force Judge Advocate General Corps (AFJAGC) Operations, Accessions, and Professional Development
https://static.e-publishing.af.mil/production/1/af_ja/publication/afi51-101/afi51-101.pdf

Air Force Recruiting
https://www.airforce.com/

Document Review Date: 20 July 2021