Bar Study Student Loan

PNC Solution Loan® for Bar Exam and Law Students

Apply Now[1]

Receive a preliminary decision within minutes.

Have Questions?

Speak to a student lending representative

Rate Ranges for PNC Solution Loan for Bar Study[2]

  5 Year 10 Year 15 Year
Fixed APRs 4.19 - 10.19% 4.69 - 10.69%
5.19 - 11.19%
Variable APRs 1.96 - 7.96%
2.46 - 8.46%
2.96 - 8.96%
Monthly Principal & Interest Payment on a $15,000 loan $262.87 - $321.45 $141.27 - $204.90 $103.42 - $173.08

Annual Percentage Rates (APRs) displayed are for the immediate repay option and include a 0.50% discount for automatic payments. Unlike interest rates, APRs represent interest rates inclusive of any fees and deferment periods. [3]



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.[3]

Co-signer Release

Borrower can apply for a co-signer release after 48 consecutive on-time monthly payments.[4]

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

Questions? Call 1-800-762-1001

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See Rates and Payments Information for PNC Bar Study Loans

You’re a few steps away from finding your preferred option to funding your education. Use the tool below to see different rates and payment information. 

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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

Ways to Save

  • No application or origination fees
  • Get 0.50% off your rate with automated payments from your checking or savings account[3]
  • Interest may be tax deductible; consult your tax advisor

Flexible Repayment

  • 5, 10 and 15 year repayment options available with a six-month grace period[2]
  • Immediate repayment, interest only payments while in school and full deferment of principal and interest options available[5]
  • Borrower can apply for a co-signer release after 48 consecutive on-time monthly payments.[4]

Eligibility and Requirements


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 co-signer, if any, must:

  • Be U.S. citizens or permanent residents
  • Have lived in the U.S. for the previous two years


Student and co-signer, 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

Applying With a Co-signer?

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


Important Legal Disclosures and Information

  1. Application Process: When you are applying for a PNC Solution 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 to provide personal information including a driver’s license or state ID, employment and income information. PNC Solution Loan borrowers will need their financial aid award letter.

    Loan Limits: Annual loan maximum: $15,000. Maximum aggregate educational debt (including both federal and private student loans): $225,000.  

  2. Fixed Annual Percentage Rates (APRs): Fixed rates are based on the creditworthiness of the borrower and co-signer, if any. Loan Payment Example: Estimated monthly payment per $15,000 borrowed at a fixed rate range of 4.69% APR  to 10.69% APR for 10 years means you would make 120 payments which may range from $157.14 to $204.90. For the fixed rate loan, the monthly payment will remain fixed for the term of the loan.

    Variable Annual Percentage Rates (APRs): Variable rates are based on the Prime Rate index plus a margin depending on the creditworthiness of the borrower and co-signer, if any. The Prime index, adjusted monthly, is equal to the Prime Rate as published in the “Money Rates” section of The Wall Street Journal ‘(Eastern Edition)’ on the first business day of the immediately preceding calendar month. The Prime index is currently 3.25%. If the index increases or decreases, your rate will increase or decrease accordingly. The rate will not exceed 18%. Loan Payment Example: Estimated monthly payment per $15,000 borrowed at variable rate range of 2.46% APR to 8.46% APR for 10 years means you would make 120 payments which may range from $141.27 to $186.30. For the variable rate loan, the monthly payment may increase or decrease if the interest rate increases or decreases.

    APRs displayed are effective as of 6/10/2021 and include the 0.50% interest rate discount for automatic payments. The range of rates displayed are for immediate repayment option. The lowest APR is available to well-qualified applicants. Your actual APR will be based on your credit qualifications, selection of fixed or variable rate option, loan program, repayment term, repayment option and whether you elect the automatic payment feature. Payments vary for other rates, repayment terms and repayment options. Rates subject to change at any time.

    For additional rate and loan cost information view loan Application and Solicitation Disclosures.

  3. Automatic Payment Discount: During repayment, an interest rate discount of 0.50% is available for automatic payments. Borrower must be making scheduled payments that include both principal and interest. Interest only payments do not qualify for the 0.50% interest rate discount. Automatic payment can be established through the loan servicer American Education Services (AES).  Advertised rates include the 0.50% automatic payment interest rate discount.  The rate discount will be applied at the time automatic payment is established. If automatic payment is not established, the available rates will be 0.50% higher than the advertised rates. If automatic payment is established and discontinued at any time during repayment, the borrower will no longer receive an automatic payment discount and the rate will increase by 0.50%. Discount may also be suspended during periods of forbearance or deferment. Payments may be made from a checking or savings account. PNC limits the number of transfers that may be made from a savings or money market account.  Please see your account agreement for more information.

  4. Co-Signer Release: 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 minimum 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.

  5. Repayment Options: Three repayment options are available - Immediate repayment, interest only payments while in school and full deferment of principal & interest. Interest will continue to accrue during periods of deferment. You will receive quarterly interest statements during the deferment period. Paying the interest as it accrues each quarter will save you money over the repayment term of the loan because any accrued interest that you do not pay will be added to the principal balance at the end of the deferment.

Please Note: 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.

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

PNC Solution Loans are subject to credit approval. Certain restrictions and conditions apply.

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.

PNC Solution Loan is a registered mark of The PNC Financial Services Group, Inc.

Read a summary of privacy rights for California residents which outlines the types of information we collect, and how and why we use that information.