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Private Loans for Bar Study

The PNC Solution Loan™ for Bar Study can help you pay for bar exams and preparation.

The PNC Solution Loan for Bar Study is a private loan offering a convenient way to pay for bar exams and prep.

Who It's For: Students enrolled at least half time at an approved ABA-accredited law school with less than six months remaining until graduation, or who have graduated from one within the last six months

  • Choose your interest rate option: variable or fixed rate
  • No application or origination fees
  • Borrow up to $15,000
  • Get 0.50% off your rate with automated payments from your checking or savings account1
  • A co-signer release option is available after the initial 48 consecutive on-time monthly payments2
  • Variable rate loan interest rates range from 3.46% to 10.41%
    (APRs from 3.44% to 10.41%)3
  • Fixed rate loan interest rates range from 6.49% to 12.99%
    (APRs from 6.42% to 12.99%)3
  • No minimum income requirement
  • Receive a preliminary decision within minutes of applying online
  • Take up to 15 years to repay with a six-month grace period3
  • Funds are sent directly to you
  • Outstanding debt will be forgiven upon the death of the borrower
  • View loan application and solicitation disclosure

Eligibility

You must:

  • have graduated from a PNC-approved law school** within the last six months, or
  • be a professional student enrolled at least half time at a PNC-approved law school** scheduled to graduate within the next six months, and
  • be planning to take the bar exam no later than six months after graduation

You and your co-signer, if any, must:

  • be U.S. citizens or permanent residents
  • have lived in the U.S. for the previous two years
  • meet the credit guidelines listed below

Credit Guidelines

There are two credit options available for this program: creditworthy and credit ready.

If applying as creditworthy or with a creditworthy co-signer, you or your co-signer need:

  • two years of satisfactory credit history, and two years of continuous income and/or employment history
  • proof of current income
  • if self-employed, to have been in business for at least two years

If you are applying as a credit ready applicant on your own signature, you need:

  • a satisfactory credit history of two years

Considering Applying With a Co-signer?

  • Applying with a creditworthy co-signer may increase your chances of approval.

If you have any questions, please contact our customer service center to speak with a student loan specialist at 1-800-762-1001, Monday through Friday from 8am to 5pm Eastern time.

**Contact us to find out if your school is approved.

1If automatic payment is discontinued, you will no longer receive an automatic payment discount. A federal regulation limits the number of transfers that may be made from a savings or money market account. Please contact your financial institution for more information on transfer limitations on savings accounts. 2To release a co-signer, the borrower must request a co-signer release and pass a credit check. 3View important disclosure and repayment information for the PNC Solution Loan for Bar Study. Maximum loan: $15,000. Maximum aggregate educational debt (including both federal and private student loans): $225,000.

PNC reserves the right to discontinue any or all terms of this program at any time without notice. Loans may be sold to other financial organizations; however, the interest rate and term of the loan will not change if a loan is sold. PNC Solution Loans are subject to credit approval.

Customer Service

To speak to a loan specialist, call:

1-800-762-1001

Create Your Own Strategy

Whether you're planning to borrow or preparing for repayment, we offer tools to help you create strategies that work best for you.

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You are encouraged to explore all scholarship, grant and federal borrowing options before applying for a private loan.

PNC does not provide accounting, tax or legal advice.