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Private medical school loans can help keep your career on track. Some private student loan lenders even offer medical residency loans.
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Commonly asked questions about law school student loans
Editorial disclosure: Our goal is to give you the tools and confidence you need to improve your finances. Although we receive compensation from our partner lenders, whom we will always identify, all opinions are our own. Credible Operations, Inc. NMLS # 1681276, is referred to here as "Credible."
Yes, law school students can still take out both federal and private student loans during the COVID-19 pandemic. Keep in mind that if you need to borrow for school, it’s usually best to rely on federal loans first since they come with federal benefits and protections — such as access to income-driven repayment (IDR) plans and student loan forgiveness programs.
If you decide to get a private student loan, be sure to consider as many lenders as you can to find the right loan for your needs.
If you decide to take out a private student loan for law school, it’s wise to shop around and compare your options from as many lenders as possible. This way, you can find the most optimal loan for your unique situation.
Here are several important factors to keep in mind as you do your research:
If you’re ready to apply for a private law school loan, follow these four steps:
Yes, you can. Law school students can access two types of federal student loans, including:
When you take out law school loans, the lender will first disburse the funds to your school to cover tuition costs and fees. If there's money left over, you'll receive a student loan refund, which you can use to cover living expenses.
Note, however, that the U.S. Department of Education and many private lenders have limitations on which expenses you can use your loans to cover. That typically includes basic living expenses, such as rent, groceries, transportation, household and personal supplies, and other necessary costs.
If you're looking for financial aid to help you cover your living expenses while you attend law school, or you need help obtaining law school loans, contact your school's financial aid office for assistance.
Depending on your situation, you may have a few different ways to support yourself financially as a law school student. Many schools offer part-time programs, allowing you to obtain your degree without quitting your full-time job.
This approach can also be beneficial if you want to limit your reliance on law school loans for tuition and fees. It'll take you longer to graduate, but it can save you a lot of time and money if you can graduate with less law school debt.
If you've served in the military, you can also look into various educational benefits programs offered by the U.S. Department of Veterans Affairs. For example, the Post-9/11 GI Bill program is a popular option that could help you pay for tuition, fees, housing, and textbooks.
As you consider different financial aid options, check to see if your law school offers merit-based scholarships. You can also use websites like Scholarships.com and Fastweb, which manage databases of millions of private scholarship opportunities.
Federal law school student loans offer several potential benefits, including:
Federal student loans also come with some possible drawbacks, such as:
Like federal student loans, private loans also come with their own pros and cons to consider. Some of the potential advantages include:
There are also some possible drawbacks to think about before taking out a private student loan, such as:
If you decide to take out a private student loan for law school, remember to consider as many lenders as possible to find the right loan for you. Credible makes this easy — you can compare your prequalified rates from multiple lenders in two minutes.
While eligibility criteria can vary by lender, there are a few common requirements you’ll likely come across when searching for a private student loan. These include:
The credit score you’ll need for a student will depend on the type of loan you get. Here’s what you can expect when it comes to graduate student loan credit information for law school:
Learn More: Taking Out Student Loans Without a Cosigner
This depends on the type of loan you get for law school. Here are the student loan limits you can expect:
Federal student loan rates are set by Congress each year — the rate you get will depend on the type of loan you choose. Here are the rates you can expect on federal student loans for the 2021-2022 academic year:
Interest rates on private student loans are set by individual lenders based on market conditions.
The rates you’re offered will also depend on other factors, including your credit score and the repayment term you choose. Here are the rates you can expect on private student loans from Credible’s partner lenders:
There are also a few strategies that can help you qualify for a better rate and more favorable terms on a private student loan, including:
Law school can be extremely expensive, which is why the average law school debt is $160,000. The time it will take to pay off this debt will depend on several factors, including how much you borrow, your repayment term, and your income.
For example, if you have federal student loans and qualify for PSLF, you could have your loans forgiven after making payments for 10 years. Or you might sign up for an IDR plan or consolidate your loans into a Direct Consolidation Loan to extend your term up to 25 or 30 years.
If you have private student loans, you could have anywhere from five to 20 years to repay them, depending on the lender.
There are several law school loan forgiveness programs available to federal student loan borrowers. Some of these include:
Unfortunately, private student loan forgiveness doesn’t exist. However, there are other options that could help you more easily manage and pay off your private loans, such as refinancing.
The best law school student loan lenders are ones that provide competitive interest rates, a wide selection of loan terms, inclusive eligibility requirements, and responsive customer service.
To find the best loan for your needs, it’s important to shop around and compare as many lenders as you can. Here are some of the most important details about the loans offered by Credible’s top medical school student loan lenders:
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