Bar Study Loans

  • You may apply for bar study or exam loans either during your final academic year of law school or within 12 months following graduation. You may apply for only ONE bar examination loan. 
  • If you apply during your final academic year, you must graduate that same academic year. If you apply following graduation, you must have applied to take the next regularly scheduled bar examination.
  • Bar study or exam funds are available for expenses incurred for and associated with preparing for the bar exam, including cost of living. 
  • Eligibility requirements are listed at each lender’s website.
  • In most cases, bar study or exam loans are not federally guaranteed loans and cannot be consolidated with federal loans upon graduation.
  • Bar study or exam loans are not covered by any of the protections or rights of federal loans.
  • Bar study or exam loans are private loans between student and lender. A credit check is required and, dependent upon credit history, the addition of a cosigner may be necessary. With all lenders, applying with a credit-worthy cosigner may increase the likelihood of your application being approved and may assist in your obtaining a lower interest rate. Ask each lender if they have a “release of cosigner,” the terms, and if they are subject to change.
  • Funds are disbursed directly to the student by the lender.
  • The interest rate can vary from the LIBOR plus points to PRIME plus points. Each lender’s website offers examples of the current rates.
  • SCHOOL CERTIFICATION is available only after credit has been approved and signatures and paperwork have been received for applicant and cosigners. When the application process is complete, please contact the financial aid office at to inform us that your application is ready to be certified.  


Listed below is a selection of banks and institutions that offer Bar Study Loans. They are NOT listed on order of preference, nor does inclusion on this list indicate an endorsement by the College of Law or the University of Arizona. You are encouraged to visit each of the websites provided and to review other companies to find the lender that best fits your needs.

Sallie Mae

  • .25% interest rate reduction for auto debit
  • Up to 15 years to repay
  • Can apply for up to $15,000 ($1,000 minimum)
  • 9-month grace period 


  • .5% interest rate reduction for auto debit
  • Offers a fixed (6.49% – 12.99%) or variable (Libor + 3.51% – 10.46%) interest rate
  • Up to 15 years to repay
  • Can apply for up to $15,000 ($1,000 minimum)
  • 6-month grace period

Discover Student Loans

  • 0.25% interest rate reduction while enrolled to make scheduled monthly payments by automatic debit
  • Disbursement fees are 0%
  • Flexible repayment options are available
  • Prepay your loan at any time without penalty

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