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Get the money you need for bar study-related expenses that are not covered by federal student loan programs, such as bar exam course fees and deposits.

Get a variable interest rate


5.61% - 12.31% APR*

starting variable interest rate

Your starting variable interest rate can rise or fall as the market index changes, so your Bar Study Loan payments may vary over time.

Payment details

Principal and interest repayment

In school In grace In repayment No payments Principal & interest

Make no scheduled payments while you’re in school at least half-time and in grace (nine months after leaving school).*

Get budget flexibility
You can request lower, interest-only payments for the first two or four years.** After that, you’ll make principal and interest payments for the rest of the loan’s repayment term.

*Interest is charged starting at disbursement, while in school and during the nine-month grace period. When you start paying principal and interest, any Unpaid Interest will be added to Current Principal, increasing your Total Loan Cost. Variable rates may increase over the life of the loan. Advertised variable rates reflect the starting range of rates and may vary outside of that range over the life of the loan. Advertised APRs assume a $15,000 loan disbursed at the time of the student's graduation from school.

** Requests must be received in writing. Interest Only payments will not extend the loan term. Interest Only payments increase the Total Loan Cost and monthly payments after the Interest Only payments will be higher than they would have been without it.

Benefit from these Bar Study Loan features

Take control of your funds; the money is sent directly to you.

Lower your total loan cost—get a 0.25 percentage point interest rate reduction when you enroll in and make monthly payments by auto debit.

Pay no origination fee or penalty for paying off your loan before its due date.

Borrow from $1,000 up to $15,000.

Track your credit health with quarterly FICO® Credit Scores available online for free to you and your cosigner.

Get the money you need

A cosigner can really pay off

Applying for a Bar Study Loan with a creditworthy cosigner may result in a lower interest rate.

Consider a cosigner

You can apply for cosigner release

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

Find out about cosigner release

If you need money for law school

A Sallie Mae® Law School Loan can help you get the money you need to pay for your legal degree. Choose a fixed or variable interest rate type and a repayment option that works best for you.

Learn about the Law School Loan

I went to law school because I wanted to help people. Now I represent survivors and first responders of 9/11. I am also litigating on behalf of the residents of Flint, MI over the ongoing water crisis.


Omar K., customer

Applying online is easy

is about all it takes to apply and get
a credit result.

of customers would recommend our online loan application process.

Source: Sallie Mae online loan application surveys, July 2016 – June 2017.

Questions? Need help applying?

Call us at 877-279-7172

Didn’t find what you were looking for? See all graduate school loans

Borrow responsibly
We encourage students and families to start with savings, grants, scholarships, and federal student loans to pay for college. Students and families should evaluate all anticipated monthly loan payments, and how much the student expects to earn in the future, before considering a private student loan.

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

Borrowers must be enrolled at least half time in their 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. Borrowers should be sitting for the bar exam no later than 12 months after graduation. U.S. citizens and U.S. permanent residents are eligible. Non-U.S. citizen borrowers who reside in the U.S. are eligible with a creditworthy cosigner (who must be a U.S. citizen or U.S. permanent resident) and are required to provide an unexpired government-issued photo ID to verify identity. Applications are subject to a requested minimum loan amount of $1,000. Current credit and other eligibility criteria apply.

Borrower or cosigner 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 or Designated Amount is successfully withdrawn from the authorized bank account each month. This benefit may be suspended during periods of forbearance or deferment, if available for the loan.

Although we do not charge you a penalty or fee if you prepay your loan, any prepayment will be applied as provided in your promissory note: First to Unpaid Fees and costs, then to Unpaid Interest, and then to Current Principal.

Borrowers and cosigners who have an available FICO® Score and a Sallie Mae loan with a current balance greater than $0, may receive their score quarterly after the first disbursement of their loan. The FICO® Score provided to you is the FICO® Score 8 based on TransUnion data, and is the same score that Sallie Mae uses, along with other information, to manage your account. FICO® Scores and associated educational content are provided solely for your own non-commercial personal review, use and benefit. This benefit may change or end in the future. FICO® is a registered trademark of the Fair Isaac Corporation in the United States and other countries.

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

Information advertised valid as of 1/25/2019.

SALLIE MAE RESERVES 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.