Participant Contribution Formula and Income Scale

This scale is effective as of July 1, 2012.

When calculating a participant's LIPP income, we also include several allowances. These allowances include dependent care costs and in some cases, such as self-employment, out of pocket health care expenses. Additionally, we apply a Longevity Allowance to recognize longer term participants. The Longevity Allowance begins in the fifth year of program participation, at which point participants will receive a $5,000 allowance to their income. In the sixth year participants receive a $6,000 allowance, and so forth.

2012-2013 LIPP Participant Contribution Guidelines
Gross IncomePortion of Annual Income Graduate Pays
Towards Loans Before LIPP Assistance Begins*
$46,000 or less
$46,001-$52,000
$52,001 and above		none
20% over $46,000
$1,200 + 40% over $52,000

*The monthly expected contribution cannot be applied to “non-LIPP” or LIPP-ineligible loan payments.

Full Income Scale

This chart shows, in thousand-dollar increments, the expected contribution participants make toward their LIPP-eligible loan payments based on their income and the LIPP Participant Contribution Guidelines. The monthly contribution amount is subtracted from the participant's total eligible monthly loan payment amount to determine the monthly LIPP subsidy. 

IncomeAnnual Expected ContributionMonthly Expected Contribution
$46,000$0$0
$47,000$200$16.67
$48,000$400$33.33
$49,000$600$50.00
$50,000$800$66.67
$51,000$1,000$83.33
$52,000$1,200$100.00
$53,000$1,600$133.33
$54,000$2,000$166.67
$55,000$2,400$200.00
$56,000$2,800$233.33
$57,000$3,200$266.67
$58,000$3,600$300.00
$59,000$4,000$333.33
$60,000$4,400$366.67
$61,000$4,800$400.00
$62,000$5,200$433.33
$63,000$5,600$466.67
$64,000$6,000$500.00
$65,000$6,400$533.33
$66,000$6,800$566.67
$67,000$7,200$600.00
$68,000$7,600$633.33
$69,000$8,000$666.67
$70,000$8,400$700.00
$71,000$8,800$733.33
$72,000$9,200$766.67
$73,000$9,600$800.00
$74,000$10,000$833.33
$75,000$10,400$866.67
$76,000$10,800$900.00
$77,000$11,200$933.33
$78,000$11,600$966.67
$79,000$12,000$1,000.00
$80,000$12,400$1,033.33
$81,000$12,800$1,066.67
$82,000$13,200$1,100.00
$83,000$13,600$1,133.33
$84,000$14,000$1,166.67
$85,000$14,400$1,200.00
$86,000$14,800$1,233.33
$87,000$15,200$1,266.67

Note: LIPP has no set income ceiling. Graduates with LIPP eligible monthly loan payments above $1,266.67 can qualify for LIPP assistance at incomes above $86,000.

Last modified: August 02, 2012

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