Loan Repayment Assistance Program

At Spring Arbor University, we know the cost of a college education may at times appear staggering. We also know that the lifetime benefits associated with a Christian college education provide an excellent return on investment. Spring Arbor University equips graduates for critical participation – in their careers, their families and a world in need of their unique strengths and talents – maximizing the long-term value of financial and academic investments.

So what if we told you there is now a solution to the concern associated with borrowing money to pay for college?

Incoming freshmen are offered the option to receive the the Loan Repayment Assistance Program (LRAP) provided by our new arrangement with the Loan Repayment Assistance Foundation. LRAP guarantees that if your income after graduation is low, you will receive assistance in repaying your student loans.

Spring Arbor University is pleased to work with the LRAP Foundation to provide you with this guarantee of the value of a Spring Arbor University education.

The Loan Repayment Assistance Program safeguards your financial and educational investment in your future, providing a back-up plan for repayment of educational loans.** LRAP empowers students to enroll, stay in school and graduate from their first-choice educational institution – Spring Arbor University. By offering graduates the promise, “if your income after graduation is low, we will help you repay your student loans,” the LRAP Foundation strives to protect the foundations of higher education, enhancing affordability and access while maintaining the value of a college degree.

How it works

Your award letter from the LRAP Foundation will specify lower and upper income thresholds** that will determine how much assistance you receive. You must graduate from Spring Arbor University and be employed at least 3/4 time — it’s that simple.

If your income after graduation is low, you will receive assistance to help you repay your student loans:

  • If your income is below the lower income threshold, you will receive reimbursement for the entire amount of your loan payments.
  • As your income increases to the upper income threshold, the benefit is reduced proportionately.
  • For example, if your income is halfway between the upper and lower income thresholds, you will receive half of the amount of your loan payments for that year through quarterly reimbursements.
  • Assistance will continue until your loans are repaid or your income increases above the upper income threshold.

For more information about Spring Arbor University & the Loan Repayment Assistance Program, visit or email Apply for admission to SAU @

Please review the terms and conditions for the Loan Repayment Assistance Program. A sample award letter is also available to view.

*Must be a US citizen; other restrictions may apply. Read terms and conditions for more information.

**The Loan Repayment Assistance Program covers federal students loans, as well as private alternative loans and parent PLUS loans.

*** The lower income threshold is $20,000 and the upper income threshold is $37,000.