The PNC Solution Loan™

For Bar Study

Apply Now[1]

Receive a preliminary decision within minutes.

Have Questions?

Speak to one of our loan specialists

Key Advantages
Flexibility with Your Rate Structure

Choose your interest rate option:

variable or fixed rate


Save Money

No application or origination fees. Also, get 0.50% off your rate with automated payments from your checking or savings account.[2]

Co-signer Release

A co-signer release option is available after 48 consecutive on-time monthly payments.[3]

What You Need to Apply

Before you start your application

You (and your co-signer, if applicable) will need to provide personal information like:

  • Social Security number, driver's license (or State ID), date of birth.
  • Home phone number, home address and the number of years you lived there.

You'll also need specifics around the school you want to attend:

  • School's name and your intended major. 
  • Academic term(s) that the loan will cover (full year, one semester, etc.) as well as expected graduation date.

All set? Apply today

More information you'll need

You'll also need employment information for you (and the co-signer, if applicable)

  • Name of employer, address, length of employment and phone number.
  • Income (if applicable) and any additional sources of income.
  • Email for your co-signer (if applicable).
  • Verification of Enrollment - A letter from the eligible school verifying graduation date or Bar Exam Alternative Loan certification form.

Download our step-by-step application guide 

Questions? Call 1-800-762-1001

We are dedicated to helping you advance your education.

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

Before you apply for loans, you should have:

  • Completed and sent in your Free Application for Federal Student Aid (FAFSA) as soon as possible after October 1st
  • Received an award letter from the school you plan to attend
  • Researched grants, scholarships, federal loans, and work-study programs
  • Reviewed the PNC Solution Loan eligibility requirements and aggregate loan limits below

If you are unfamiliar with terminology you encounter while reviewing information about our higher education private loans, we've created a glossary of terms to assist you.
View Glossary of Terms »

Features & Benefits

With a PNC Solution Loan, you can:

  • Receive a preliminary decision within minutes of applying online
  • Choose your interest rate option: variable or fixed rate
  • Borrow up to $15,000

Bar Study Loan Product Details

  • Variable rate loan interest rates range from 5.39% to 11.39% (APRs from 5.31% to 11.39%)[4]
  • Fixed rate loan interest rates range from 6.29% to 12.29% (APRs from 6.19% to 12.29%)[4]
  • Funds are sent directly to you
  • Outstanding debt will be forgiven upon the death of the borrower
  • No minimum income requirement
  • View loan application and solicitation disclosure

Ways to Save

  • No application or origination fees
  • Get 0.50% off your rate with automated payments from your checking or savings account[2]
  • Interest may be tax deductible; consult your tax advisor

Flexible Repayment

  • Take up to 15 years to repay with a six-month grace period[4]
  • A co-signer release option is available after 48 consecutive on-time monthly payments[3]

Eligibility and Credit Guidelines


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
  • Meet debt-to-income requirements

Credit Guidelines

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

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

Considering Applying With a Co-signer?

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


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

Create a Strategy for College Funding and Repayment

Important Legal Disclosures and Information

  1. When you are applying for a PNC Solution Loan or PNC Education Refinance Loan, you will be transferred to the website of one of our service providers. A list of information required to successfully complete your application will be provided during the application process. Borrowers and co-signers will need personal and income information including a driver’s license or state ID. All PNC Solution Loan borrowers will need their financial aid award letter.

  2. During repayment, an interest rate reduction of 0.50% is available for automated payments once you are no longer attending school on at least a half-time basis. You must be making scheduled payments through servicer American Education Services (AES) that include both principal and interest from your checking or savings account. If automatic payment is discontinued, you will no longer receive an automatic payment discount. Discount may be suspended during periods of forbearance. 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.

  3. A request to release a co-signer requires that, as of the date of the request, you have made at least forty-eight (48) consecutive timely payments of principal and interest with no periods of forbearance or deferment within the forty-eight (48) month timeframe. “Timely payment” means each payment is made no later than the 15th day after the scheduled due date of the payment. “Consecutive payment” means the regularly scheduled monthly payment must be made for the most recent forty-eight (48) months straight without any interruption. To qualify for a co-signer release, the borrower must submit a request, meet the consecutive, timely payment requirements, provide proof of income and pass a credit check.

  4. View important disclosure and repayment information 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.

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. Any calculators provided are intended for educational and estimation purposes only, and their accuracy is not guaranteed. The calculators, and any results displayed, do not constitute the advice of, or reflect actual products, services, rates and/or terms available from PNC Bank or its affiliates, and nothing contained in the calculators shall constitute an offer or solicitation of a product or service by PNC Bank or its affiliates.