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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 3.50% APR to 10.20% 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.

Fees

  • 0.00% Disbursement fees
  • No repayment fees.

Repayment terms

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

Eligibility

  • 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
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.

4 This informational repayment example uses typical loan terms available for the Sallie Mae Bar Study Loan made to a student enrolled in his/her final year of study in a graduate law program at an eligible school and has a $15,000.00 loan with one disbursement, a 0% disbursement fee, a 9-month grace period, and a 7.97% variable APR: 179 payments of $152.41, and one payment of $93.38, for a Total Loan Cost of $27,374.77. 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 .

WE RESERVE THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS, SERVICES, AND BENEFITS AT ANY TIME WITHOUT NOTICE. CHECK SALLIEMAE.COM FOR THE MOST UP-TO-DATE PRODUCT INFORMATION.