Private Law School Loans
Low-rate law school loans with built-in flexibility
A private student loan designed for JD and LLM students: zero fees1, full coverage, and time for the bar built-in.
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Ranked #1 Private Student
Loan Lender of 2026
420,000+
customers trust
Earnest
1,300+
schools have Earnest as
a preferred lender
Earnest Benefits
A student loan built for the law school timeline
Time for the bar. Our
typically covers your bar exam, the wait, and the job search before full repayments begin. Heading into a clerkship or fellowship instead? You can
for up to 4 years.
Full coverage. Law school adds up. Borrow up to 100% of your school-certified cost of attendance — tuition, housing, casebooks, living expenses, and bar exam fees included.
No fees. With Earnest, the number you see is the number you get:
. No hidden math, no objections.
Your best rate, guaranteed. Stack our 0.25%
with a 0.25%
for returning customers. Get a better offer elsewhere? We'll match it, plus a $100 Amazon gift card.
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Plus, real human support
Put the hold music on hold. Just call (888) 601-2801 and our Client Happiness team is here in less than 60 seconds2, Monday to Friday, 6 a.m. to 5 p.m. PT.
Today's Fixed Rates
Low rates, no hidden fees
Apply on your own, or add a cosigner to help improve your approval odds and potentially qualify for a lower rate. Either way, applying takes less than 15 minutes.
Cosigned
1.99%APR
( including 0.50%* combined
rate discounts )
*Our lowest rates are only available for the most credit qualified existing cosigned loan borrowers who receive the 0.25% Loyalty discount and requires selection of our shortest term offered, full principal and interest payment while in school, and enrollment in our 0.25% Auto Pay discount.
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Student Loan Calculator
One loan, four ways to repay
Choose the
that fits your budget now — and run the numbers with our calculator before you decide.
Deferred.
while in school and during your
. Principal and interest payments begin after. Best if you're on a budget today, but will cost more in the long run.
Fixed.
a month during school and the
. Principal and interest payments begin after that, but by chipping away early, you can reduce your total cost.
Interest only. Pay the monthly interest while you're in school and during your grace period. Principal and interest payments start after that, but making interest payments early saves you even more.
Full principal & interest. Start making monthly principal and interest payments right away. If it makes sense with your monthly budget, this is always how you'll save the most.
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Apply With Earnest
No fees¹, no stress, apply in just 15 minutes
Check your eligibility
Done online, no credit impact. After applying, most qualified applicants get a decision in
or less.
Choose your terms
Pick a fixed or variable rate, term, and repayment
. Use our calculator to find the right fit.
Sign and sit back
We'll send the details to your school and handle the rest. One less thing on your docket.
Got questions? We've got answers.
Have more questions? Visit the Help Center.
The Earnest Blog
Get the facts on paying for law school
Earnest Private Student Loans are subject to credit approval.
Before applying for private student loans, it’s best to maximize your other sources of financial aid first. It’s recommended to use a 3-step approach to assembling the funds you need: 1) Look for funds you don’t have to pay back, like scholarships, grants, and work-study opportunities. 2) Next, fill out a FAFSA® form to apply for federal student loans options. 3) Finally, consider a private student loan to cover any difference between your total cost of attendance and the amount not covered in steps 1 and 2. For more information, visit the Department of Education website at studentaid.gov.
1 Earnest does not charge fees for origination, late payments, returned check, or prepayments. Florida Stamp Tax: For Florida residents, Florida documentary stamp tax is required by law, calculated as $0.35 for each $100 (or portion thereof) of the principal loan amount, the amount of which is provided in the Final Disclosure. Lender will add the stamp tax to the principal loan amount. The full amount will be paid directly to the Florida Department of Revenue. Certificate of Registration No. 78-8016373916-1.
2 Based on average call times from March 2026 to present. Subject to change.
last updated: 09/14/2026