Sallie Mae Home  Undergraduates  Smart Option Student Loan  Career Training Smart Option Student Loan  Graduates  Smart Option Student Loan  Medical Residency and Relocation Loan  Dental Residency and Relocation Loan  Bar Study Loan  Parents  Sallie Mae Parent Loan  K-12  Managing Your Loans  Banking  Insurance  Credit Card  Upromise Rewards  Plan for College  Saving for College  Scholarships for College  College Grants  Financial Aid  Types of Student Loans  The College Planning Toolbox  How America Pays for College  How America Saves for College   Sallie Mae Sweepstakes and Scholarships  Contact Us  Feedback 
Manage & Pay Loans
To log into your student loan account, go to the home page and tap Login again. We’re sorry for this temporary technical issue.
Banking  Upromise Rewards  Finish a saved loan application  Cosign a student loan application  Check loan application status 

Bar Study Loan®

Be financially prepared with a Bar Study Loan from Sallie Mae®

With the Bar Study Loan from Sallie Mae, you can finance your bar exam costs that are not covered by federal student loan programs such as bar review course fees, bar exam deposits and/or fees, as well as living expenses incurred while studying for and taking the bar exam.

Defer payments until after school

  • The Bar Study Loan gives you the flexibility to defer payments while you are in school at least half time and for nine months after graduation or leaving school.1

Lower your interest rate

  • When you enter repayment, you can lower your interest rate by 0.25 percentage points while enrolled to make your scheduled monthly payments by automatic debit.

Cover the cost of paying for the Bar Exam

  • You can borrow as little as $1,000 or as much as $15,000.

Be in control of your funds

  • All disbursements are made directly to you.

Access your account information anytime, anywhere, with our 24/7 online account management.

Get Started  

Interest rates

  • Rates are variable and range from 3.62% APR to 10.33% APR.1
  • Get a 0.25 percentage point interest rate reduction while enrolled to make scheduled monthly payments by automatic debit.2

Loan limits

  • Students can borrow from $1,000 up to $15,000.


  • 0.00% Disbursement fee.
  • No repayment fee.

Repayment terms

  • No prepayment penalty.
  • No payments required until nine months after graduation.1
  • Request to make monthly interest payments for the first two or four years, followed by principal and interest payments for the remainder of the term or make monthly principal and interest payments for the full repayment term.


  • You may apply for a Bar Study Loan if you are enrolled at least half time in your final year of study at a participating ABA-accredited law school located in the U.S., or have graduated from one within the last 12 months.
  • You must be sitting for the bar exam no later than 12 months after graduation.
  • You must be a U.S. citizen or a permanent resident or a Non-U.S. citizen borrower with a creditworthy cosigner (who must be a U.S. citizen or permanent resident) and required U.S. Citizenship and Immigrations Service (USCIS) documentation.
  • Current credit and other eligibility criteria apply.
  • Applications are subject to a requested minimum loan amount of $1,000.


Get Started  

Apply now online or call 877-279-7172.


Have questions?

Get help deciding which loan is right for you.
Call us at (877) 279-7172(877) 279-7172

Browse loan FAQs

Manage your loan

Log in to your account

A cosigner can really pay off

Cosigner benefits
Applying with a creditworthy cosigner may result in a lower interest rate.

Cosigner release available
You may apply to release your cosigner from the loan after you graduate, make 12 on-time principal and interest payments and meet certain credit requirements.

Learn more


Encouraging Responsible Borrowing

Sallie Mae has helped more than 34 million Americans pay for college since 1972. We encourage students and families to supplement their savings by exploring grants, scholarships, and federal and state student loans, and to consider the anticipated monthly payments on their total student loan debt and their expected future earnings before considering a private education loan.

1 Variable rates may increase after consummation. Interest is charged while you are in school and during the 9-month grace period. Unpaid Interest will be added to the Current Principal when you enter principal and interest repayment.

2 Either the borrower or cosigner (not both) must enroll in auto debit through Sallie Mae. The rate reduction benefit applies only during active repayment for as long as the Current Amount Due is successfully deducted from the designated bank account each month and is suspended during forbearances and certain deferments.

3 Only the borrower may apply for cosigner release. Borrowers who meet the age of majority in their state may apply for cosigner release by providing proof of graduation (or completion of certification program), income, and U.S. citizenship or permanent residency (if your status has changed since you applied). In the last 12 months, the borrower must be current on all Sallie Mae serviced loans (including no hardship forbearances or modified repayment programs) and have paid ahead or made 12 on-time principal and interest payments on each loan requested for release. When the cosigner release application is processed, the borrower must demonstrate the ability to assume full responsibility of the loan(s) individually, and pass a credit review that demonstrates a satisfactory credit history including but not limited to no: open bankruptcy, open foreclosure, student loan(s) in default or 90 day delinquencies in the last 24 months. Requirements are subject to change.

Sallie Mae Bar Study Loans are intended to cover expenses not included in your school's cost of attendance.

Bar Study Loans are made by Sallie Mae Bank or a lender partner.

Information advertised valid as of .