Law School Loans
Law school loans built for your bar exam timeline
From tuition to bar prep expenses, we cover it all. With a 9-month grace period, you won't stress about payments while studying for the bar. Low rates, zero fees, maximum flexibility
Earnest Benefits
From law school to bar exam to your practice—we've got you covered
We understand the legal journey. That's why we offer extended grace periods for bar prep, and transparent terms that work from graduation through your first job.
so you can focus on bar exam preparation
100% school cost coverage - tuition, fees, and living expenses
No late payment fees. No origination fees, No disbursement fees
once per year without penalties
- save an additional 0.25% your next year
Choose from 4 flexible repayment options that fit your career path
Save 0.25% on interest by enrolling in
Questions? Talk to a human who understands law school financing at 1(888) 601-2801, 6 am-5 pm PT, Monday-Friday.
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Low Fixed Rates
The case for low rates
If you’ve been briefed on rates, you know that a low interest rate can help you save thousands. We offer some of the lowest rates and encourage all law students to use a cosigner.
Cosigners tend to have a longer credit history compared to students and have access to lower interest rates.
Cosigner
2.89%APR
Independent
3.69%APR
These are our lowest fixed interest starting rates and contain our .25%
from a checking or savings account. Some borrowers may see higher rates based on their credit.
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Help Is Here
Talk to the experts if you have questions
The Client Happiness team is at the heart of Earnest. They’re empowered to give you the help you need. They can even help you submit your application over the phone.
You can reach out via email and web chat; if you prefer to speak to a person, call between 6:00 am - 5:00 pm PT, Monday - Friday, at (888) 601-2801.
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Are you a good candidate for a private law school loan?
Before applying for a private student loan, make sure you check off the following first:
Factored in contributions from my family, such as 529 plans (savings accounts designated to help pay for higher education).
Applied for grants, scholarships, and work-study opportunities (free money).
Filled out the FAFSA® to maximize my Federal financial aid (money that comes with federal protections).
Get the FAQs on law school loans
Have more questions? Visit the Help Center.