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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 a 0.25 percentage point while enrolled to make your scheduled monthly payments by automatic debit.

Cover the cost of paying for the Bar

  • 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 3.25% APR to 9.96% 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 fees
  • No repayment fees.

Repayment terms

  • No prepayment penalty.
  • Flexible repayment options.
  • Standard Repayment: Full principal and interest payments for up to 15 years.1,4
  • No payments required until nine months after graduation.1


  • You may apply for a Bar Study Loan if you are enrolled at least half time in your final year of study at an ABA-accredited law school, 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 foreign borrower applying with a creditworthy cosigner who is a U.S. citizen or permanent resident and present U.S. Citizenship and Immigrations Service (USCIS) documents.
  • You must meet current credit and other eligibility criteria. Applications are subject to a requested minimum loan amount of $1,000.


Get Started  

Apply now online or call 800-984-0190.


Have questions?

Get help deciding which loan is right for you.
Call us at (800) 984-0190(800) 984-0190

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A cosigner can really pay off

A cosigner can help you qualify
Applying with a creditworthy cosigner may give you a better chance of approval.

Cosigner release available
After graduation a borrower may apply for their cosigner to be released from the loan once they have made 12 consecutive, on-time principal and interest payments and meet certain credit requirements.

Learn more


Loan Repayment Calculator


Encouraging Responsible Borrowing

Sallie Mae has helped more than 30 million Americans pay for college since 1972. We encourage students and families to supplement their savings by exploring grants, scholarships, 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. Any interest that remains unpaid when you enter full repayment will be added to your loan balance.

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 borrower's monthly payment amount is successfully deducted from the designated bank account and is suspended during forbearances and certain deferments.

3 The release of a cosigner is at the sole discretion of Sallie Mae. Only the borrower may apply for cosigner release. The borrower must provide proof of graduation or successful completion of certification program, not be delinquent and have made 12 consecutive on-time payments of principal and interest immediately before applying, provide proof of income, pass a credit review that demonstrates a satisfactory credit history and the ability to assume full responsibility of the loan(s) individually, have no student loan(s) in default, must not be reported as 90+ days delinquent in the past 24 months, must not be in hardship forbearance and/or in a modified repayment program, be a U.S. citizen or permanent resident, and meet the age of majority in their state. Requirements are as of October 13, 2014, and are subject to change.

4 This informational repayment example uses typical loan terms available for the Sallie Mae Bar Study Loan and has a $15,000.00 loan with one disbursement, a 0% disbursement fee, a 9-month grace period, and a 7.73% APR: 179 payments of $149.83 and one payment of $100.34, for a total paid of $26,919.91. Variable rates may increase after consummation.

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 8/25/2015.


Sallie Mae, Bar Study Loan, and the Sallie Mae logo are service marks or registered service marks of Sallie Mae Bank or its subsidiaries.