Private Bar Study Student Loan

An education loan for
Bar Exam[1]

0.50% rate discount with auto pay[2]

Rate Ranges for PNC Solution Loan for Bar Study[3]

  5 Year[3]
10 Year[3]
15 Year[3]
Fixed APRs
6.69 - 11.94%
8.29 - 13.54%
8.64 - 13.89%
Variable APRs
8.44 - 13.69%
10.04 - 15.29%
10.39 - 15.64%
Monthly Principal & Interest
Payment on a $15,000 loan
$295.64 - $348.57
$184.93 - $246.21
$149.47 - $217.94

Rates include a 0.50% discount for automated payments and are for the immediate repayment option.[2][4]
Lowest rates for well-qualified applicants. View Loan Application and Solicitation disclosure

Key Features & Benefits

With a PNC Solution Loan you can use the funds for any education-related expense.

Save Money

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

Flexible Repayment

  • 5, 10, and 15 year repayment terms available.[3]
  • Immediate repayment, interest-only payments while in school and full deferment of principal and interest options available.[4]
  • For deferred payments, repayment begins six months after you graduate or cease to be enrolled in school at least on a half-time basis.[4]

Product Details

  • Cosigner Release: Borrower can apply for a cosigner release after 48 consecutive on-time monthly payments.[5]
  • Funds are sent directly to the borrower.

What You Need to Apply

Before you start your application, review the list
of information you'll need to provide.


Student must:

  • Be planning to take the bar exam no later than six months after graduation.
  • 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.

Student and cosigner, if any, must:

  • Be U.S. citizens or permanent residents.

Before you start your application

You (and your cosigner, 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.
  • Email for cosigner (if applicable).

You'll also need specifics around the school you are attending or attended:

  • 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.
  • Verification of Enrollment - A letter from the eligible school verifying graduation date or Bar Exam Alternative Loan certification form. Contact us to find out if your school is approved.

More information you'll need

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

  • Name of employer, address, length of employment and phone number.
  • Income (if applicable) and any additional sources of income.


Student and cosigner, if any, must:

  • Have satisfactory credit and proof of employment and income history.
  • Have been in business for at least two years if self-employed.
  • Meet debt-to-income requirements.

Payment Calculator

You're a few steps away from finding your preferred option to fund your education.

Estimate the cost of your loan payment using our customized payment tool.

Student Lending Payment Calculator

Additional Information

  • Unpaid interest is capitalized one-time at start of repayment. This interest is added to the principal amount of your loan.
  • Interest may be tax deductible; consult your tax advisor.
  • Outstanding debt will be forgiven upon the death of the borrower.

  • Applying with a creditworthy cosigner may increase chances of approval. A cosigner is typically required for undergraduate students; a creditworthy cosigner is required for 17-year old students.

The SCRA provides financial relief and protections to eligible servicemembers and their dependents. PNC is grateful for your service and we would like to help you understand your benefits and protections under SCRA as well as other similar benefits that PNC may be able to provide to you.

To find out more, please contact us at:

Phone: 844-PNC-SCRA (844-762-7272)

Fax: 855-568-4532


PNC Bank
Servicemembers Operations Center, BR-YB58-01-U
PO Box 5570
Cleveland, OH 44101-0570

Have Questions?

If you have any questions, our customer service
consultants are available to assist you.

Call Us

Monday through Friday: 8 a.m. to 5 p.m. ET

Email Us

Monday through Friday: 24/7

Related Resources

Student Lending

Student Loan Center

Learn the facts, get answers and find the right private student loan for you.

Tools and Resources

Student Loans - FAQs

Get some answers to frequently asked questions and learn how PNC can help you with your borrowing options.


PNC Education Refinance Loan

Looking for a way to simplify your college or grad school debt repayment? Our PNC Education Refinance Loan maybe just the solution for you. Simplify your college or grad school debt repayment with one lender, one monthly payment.