AccessLex Private Loan eXchange^℠

Eligibility and Limits  

• Available for full-time, half-time, or less than half-time enrollment in a degree seeking program or graduate certificate program.
• Available to U.S. citizens or permanent residents and international students/DACA residents applying with a creditworthy U.S. citizen or permanent resident co-signer.
• May borrow up to 100% of cost of attendance (COA) minus other aid.
• Aggregate borrowing limit of $350,000 for law program.  

Interest Rates*

• Fixed: 2.68% to 16.36% APR
• Variable: 3.53% to 16.82% APR 

*Rate current as of date of listing and may reflect available autopay discount.

Fees  

• No origination, application, or disbursement fees
• No pre-payment penalties
• No fees for late or missed payments  

Repayment Options During School/Grace

• Full Deferment
• Interest-only
• Flat Repayment ($25/month)
• Immediate Repayment 

Grace Period

• 9 months, with additional 3-month extension, if needed. 

Standard Repayment Term Lengths

• 5, 7, 10, 15, and 20 years   

Co-signer Release

• Co-signers can be released after making 12 months of principal and interest payments, provided the student borrower also meets specific credit criteria. 

Options for Hardship and/or Death/Disability

• In the event of the student borrower’s death or total and permanent disability, the loan will be forgiven.
• Hardship/unemployment forbearance available.  
• Medical forbearance
• Natural disaster forbearance.
• Additional repayment plan options: Loan modification and term extension.
• In-school default protection: To mitigate the risk of default, borrowers holding Interest-only or flat payment loans who become at least 90 days delinquent during an in-school deferment period will have their repayment option automatically converted from Interest-only or flat payment to full deferment.

Lender Also Offers a Bar Study Loan: No

Listing Source: This listing was created with information submitted directly by the lender (March 2026).

Eligibility and Limits  

• Available to U.S. citizens, permanent residents, and Deferred Action for Childhood Arrivals (DACA) students, with or without a co-signer for certain plans.
• May borrow up to 100% of cost of attendance (COA) minus other aid.
• Aggregate borrowing limit of $400,000 for graduate/professional loans.  

Interest Rates*

• Fixed: 2.69% to 15.46% APR
• Variable: 3.72% to 15.13% APR

*Rate current as of date of listing and may reflect available autopay discount.

Fees  

• No origination, late, or nonsufficient funds fees
• No pre-payment penalties

Repayment Options During School/Grace

• Immediate Repayment
• Deferred 
• $25 Fixed/Flat Payment
• Interest-only

Grace Period

• 9 months
• 48 – month in-school/clerkship combined deferment available

Standard Repayment Term Lengths

• 5, 7, 10, 12, and 15  years

Co-signer Release

• Available after making 12 consecutive, on-time full principal and interest payments.   

Options for Hardship and/or Death/Disability

• 24 months of temporary hardship forbearance available. 
• Natural disaster or declared emergency forbearance of 3 months available.  
• Ascent has created a process to allow for the discharge of loans without requiring the petitioner to demonstrate “undue hardship”.
• Offers discharge for death or permanent disability of primary borrower.

Lender Also Offers a Bar Study Loan: No

Listing Source: This listing was created with information submitted directly by the lender (February 2026).

Eligibility and Limits  

• Available to U.S. citizens or permanent residents. International students can apply with a creditworthy U.S. citizen or permanent resident co-signer.
• May borrow up to 100% of cost of attendance (COA) minus other aid.
• Aggregate borrowing limit of $300,000 for law program.  

Interest Rates*

• Fixed: 3.24% to 12.82% APR
• Variable: 4.33% to 12.15% APR 

*Rate current as of date of listing and may reflect available autopay discount.

Fees  

• No origination, application, or disbursement fees
• No pre-payment penalties 

Repayment Options During School/Grace

• Immediate Repayment 
• Interest-only 
• Deferred 

Grace Period

• 6 months

Standard Repayment Term Lengths

• 5, 10, and 15 years  

Co-signer Release

• Application available once borrower has entered full principal and interest repayment.  

Options for Hardship and/or Death/Disability

• Offers discharge for death or permanent disability of primary borrower.  

Lender Also Offers a Bar Study Loan: No

Listing Source: This listing was created by AccessLex Institute using publicly available information found on the lender's website (May 2026).

Eligibility and Limits  

• Must be a U.S. citizen or permanent resident (or have a U.S. co-signer), enrolled at least half-time.
• May borrow up to 100% of cost of attendance (COA) minus other aid.
• Aggregate borrowing limit of $500,000 and annual limit of $150,000.

Interest Rates*

• Fixed 2.84% to 15.99% APR
• Variable 3.89% to 15.99% APR

*Rate current as of date of listing and may reflect available autopay discount.

Fees  

• No origination or application fees
• No repayment penalties
• 5% of a late payment amount, up to $25 

Repayment Options During School/Grace

• Immediate Repayment 
• Deferred  
• $25 Fixed/Flat Payment
• Interest-only 

Grace Period

• 9 months
• Offers an additional 12-month deferment for judicial clerkships

Standard Repayment Term Lengths

• 5, 8, 10, 15, and 20 years  

Co-signer Release

• Available after the student has completed half of the original repayment term (e.g., after 5 years of a 10-year term), provided they meet credit and income requirements. 

Options for Hardship and/or Death/Disability

• 12 months of forbearance is available, usually in 3-to-6-month increments. 
• Offers discharge for death and permanent disability. 

Lender Also Offers a Bar Study Loan: Yes

Listing Source: This listing was created by AccessLex Institute using publicly available information found on the lender's website (February 2026).

Eligibility and Limits  

• Must be a U.S. citizen or permanent resident or apply with a qualifying co-signer.
• May borrow up to 100% of cost of attendance (COA) minus other aid.
• Aggregate borrowing limit of $400,000.

Interest Rates*

• Fixed: 2.79% to 14.30% APR
• Variable: 4.99% to 15.97% APR

*Rate current as of date of listing and may reflect available autopay discount.

Fees  

• No origination, late payment, disbursement, or insufficient funds fees

Repayment Options During School/Grace

• Immediate Repayment
• Deferred
• $25 Fixed/Flat Payment
• Interest-only 

Grace Period

• 9 months

Standard Repayment Term Lengths

• 5, 7, 10, 12, and 15 years

Co-signer Release

• Application available after 12 months of consecutive on-time payments made by the primary borrower. Additionally, a borrower may qualify for automatic co-signer release in as little as three years with proper amortization. 

Options for Hardship and/or Death/Disability

• Up to 12 months of hardship forbearance over the life of the loan, plus the ability to "Skip-A-Payment" once every 12 months.
• Offers discharge for death and permanent disability.

Lender Also Offers a Bar Study Loan: No

Listing Source: This listing was created with information submitted directly by the lender (February 2026).

Eligibility and Limits  

• Borrower and co-signer must be a U.S. citizen or permanent resident alien without conditions and with proper evidence of eligibility.
• May borrow up to 100% of the cost of attendance (COA) minus other aid.
• Aggregate borrowing limit of $99,999. 

Interest Rates*

• Fixed: 2.99% to 12.85% APR
• Variable: 6.75% to 12.85% APR 

*Rate current as of date of listing and may reflect available autopay discount.

Fees  

• No application, origination, or pre-payment fees.
• If ELFI does not receive any part of a payment within 10 days after the due date, there is a late fee of 5% of the past due amount or $50, whichever is less.
• The borrower may be charged $30 for any payment (including electronic payments) that is returned unpaid for any reason.

Repayment Options During School/Grace

• Immediate Repayment 
• Deferred  
• $25 Fixed/Flat Payment
• Interest-only 

Grace Period

• 6 months

Standard Repayment Term Lengths

• 5 to 15 years 

Co-signer Release

• Not available

Options for Hardship and/or Death/Disability

• Borrowers also may qualify for forbearance for up to 12 months. ELFI will review each case individually, and decisions are at the sole discretion of the lender.

Lender Also Offers a Bar Study Loan: No

Listing Source: This listing was created with information submitted directly by the lender (February 2026).

Eligibility and Limits  

• You must be enrolled at least half-time in a graduate program at a school Nelnet Bank works with.
• You or your co-signer must be a U.S. citizen or permanent resident with a valid Social Security number. 
• May borrow up to 100% of cost of attendance (COA) minus other aid.
• Aggregate borrowing limit of $175,000 for graduate law degree.

Interest Rates*

• Fixed: 4.99% to 9.58% APR
• Variable: 5.81% to 9.58% APR

*Rate current as of date of listing and may reflect available autopay discount.

Fees  

• No origination, application, or pre-payment fees

Repayment Options During School/Grace

• Immediate Repayment 
• Deferred  
• $25 Fixed/Flat Payment
• Interest-only 

Grace Period

• 6 months 

Standard Repayment Term Lengths

• 5 and 10 years

Co-signer Release

• Available once the loan is in full principal and interest repayment for at least 24 months. 

Options for Hardship and/or Death/Disability

• Can request deferment through online account.
• May discharge loan upon death of the borrower, subject to specific terms of the loan contract.

Lender Also Offers a Bar Study Loan: No

Listing Source: This listing was created by AccessLex Institute using publicly available information found on the lender's website (February 2026).

Eligibility and Limits  

• Available to U.S. citizens or permanent residents. Students who are not U.S. citizens or U.S. permanent residents must reside in the U.S., attend school in the U.S., and apply with a creditworthy co-signer (who must be a U.S. citizen or U.S. permanent resident). 
• For applications submitted directly to Sallie Mae, loan amount cannot exceed the cost of attendance, less financial aid received, as certified by the school.
• Applications submitted to Sallie Mae through a partner website will be subject to a lower maximum loan request amount.   

Interest Rates*

• Fixed: 2.89% to 14.99% APR 
• Variable: 3.75% to 13.35% APR

*Rate current as of date of listing and may reflect available autopay discount.

Fees  

• No origination or disbursement fees
• Late fees apply according to state and contract terms

Repayment Options During School/Grace

• Deferred  
• $25 Fixed/Flat Payment
• Interest-only 

Grace Period

• 9 months 

Standard Repayment Term Lengths

• 10 and 15 years 

Co-signer Release

• Available after making 12 consecutive, on-time full principal and interest payments and passing a credit review. 

Options for Hardship and/or Death/Disability

• 12 months of interest-only payments available after grace period for eligible borrowers. 
• Discretionary hardship relief in three - month increments. 
• Offers discharge for death and permanent disability. 

Lender Also Offers a Bar Study Loan: Yes

Listing Source: This listing was created by AccessLex Institute using publicly available information found on the lender's website (February 2026).

Eligibility and Limits  

• Requires U.S. citizenship or permanent residency or a qualifying co-signer.
• May borrow up to 100% of cost of attendance (COA) minus other aid.
• Individual applications are typically capped at $99,999, though you can apply for multiple loans to cover the full balance.  

Interest Rates*

• Fixed: 3.43% to 14.83% APR   
• Variable: 4.64% to 15.86% APR  

*Rate current as of date of listing and may reflect available autopay discount.

Fees  

• No origination, late, or pre-payment fees

Repayment Options During School/Grace

• Immediate Repayment 
• Deferred  
• $25 Fixed/Flat Payment
• Interest-only 

Grace Period

• 9 months

Standard Repayment Term Lengths

• 5, 7, 10, and 15 years

Co-signer Release

• Available to borrowers who have made 12 months of consecutive on-time payments. Borrowers still must pass an underwriting review and meet all other requirements. 

Options for Hardship and/or Death/Disability

• Forbearance, reduced repayment options, and loan modification may be approved at the discretion of SoFi. 
• SoFi generally discharges student loans if the primary borrower dies, but policies differ for co-signers. 

Lender Also Offers a Bar Study Loan: No

Listing Source: This listing was created by AccessLex Institute using publicly available information found on the lender's website (February 2026).

Eligibility and Limits
To qualify for the Alaska Supplemental Education Loan (ASEL), you must:

• Be an Alaska resident, or a student physically present in Alaska and attending an Alaska school.
• Be enrolled at least half-time in a career vocational-technical program or an associate, baccalaureate, or graduate degree program.
• Attend an eligible postsecondary institution.
• Be a student in academic good standing as defined by the school of attendance.
• Have FICO credit score of at least 640 and an absence of adverse credit, or apply with an eligible co-signer.
• Meet other credit and repayment standards set forth by the program.
• May borrow up to an annual limit of $24,000 for full-time enrollment, and an aggregate limit of $96,000.

Interest Rates*

• Fixed: ~4.73% APR to 9.23% APR, depending on credit score and repayment plan chosen.

*Rate current as of date of listing and may reflect available autopay discount.

Fees  

• No origination fees
• No pre-payment fees

Repayment Options During School/Grace

• Immediate, flat repayment
• Deferred

Grace Period

• 6 months

Standard Repayment Term Lengths

• Up to 15 years

Co-signer Release

• Not indicated

Options for Hardship and/or Death/Disability

• Deferment and forbearance options are available to borrowers for special circumstances.
• Borrowers can contact AES, ACPE's loan servicer, to discuss options to adjust repayment schedules and lower, or even postpone monthly payments. 

Lender Also Offers a Bar Study Loan: No

Listing Source: This listing was created by AccessLex Institute using publicly available information found on the lender's website (March 2026).

Eligibility and Limits  

• Available to Texas residents and non-Texas residents attending a Texas school.
• Texas student loans may be requested up to cost of attendance less other financial aid.
• Qualification subject to income and credit requirements for borrower and/or co-signer.

Interest Rates*

• Fixed: 2.71 - 7.68% APR
• Variable: 3.67 - 6.96% APR

*Rate current as of date of listing and may reflect available autopay discount.

Fees  

• No application fees
• No origination fees
• No pre-payment penalties

Repayment Options During School/Grace

• Deferred
• Interest-only
• Immediate

Grace Period

• 6 months

Post-Grace Term Limits

• 5, 7, 10, 15, and 20 years

Co-signer Release

• Available by request upon making 12 consecutive on-time payments and credit qualification of the primary borrower.

Hardship and/or Death/Disability

• Economic hardship forbearance: Available for 3 months at a time, with a cumulative forbearance length of 12 months.
• Forbearance options are also available for military service and natural disasters.
• Death/Disability Benefit: If the borrower dies or is deemed totally and permanently disabled, the loan is forgiven for all parties; if the co-signer dies, the co-signer is removed and the student remains responsible for repayment.

Lender Also Offers a Bar Study Loan: No

Listing Source: This listing was created by AccessLex Institute using publicly available information found on the lender's website (April, 2026).

Eligibility and Limits

• NC Assist loan is available to U.S. citizens or eligible non-citizens who are at least 17 years old, enrolled (or accepted for enrollment) at least half time at an eligible non-profit Title IV institution in a degree-seeking program, a North Carolina resident or attending a North Carolina school, and who are credit-worthy and have the required credit score, or have a co-signer who meets the credit requirements.
• $200,000 graduate school borrowing limit.

Interest Rates*

• Current fixed rate is 7.75% fixed for all qualified applicants.

*Rate current as of date of listing and may reflect available autopay discount.

Fees

• No application or origination fees
• No pre-payment penalties

Repayment Options During School/Grace

• Deferred

Grace Period

• 6 months

Standard Repayment Term Lengths

• 10 years

Co-signer Release

• Not available. However, the co-signer is released from the obligation of the loan upon his or her death or permanent disability.

Options for Hardship and/or Death/Disability

• NC Assist borrowers who are unable to meet their payments may request up to three consecutive months of discretionary hardship forbearance for a maximum of 12 months.
• The NC Student Assist Loan allows an additional three years of deferment for periods of at least half-time enrollment for students re-enrolling after expiration of the 6-month grace period.

Lender Also Offers a Bar Study Loan: No

Listing Source: This listing was created with information submitted directly by the lender (February 2026).

Eligibility and Limits

• Must be at least the age of majority or older at the time of application based on your state of permanent residence. If you are a Connecticut resident under the age of 18, you can still apply with a required co-borrower.
• Must be a U.S. Citizen or an Eligible Non-Citizen.
• You must reside in the U.S. at the time of the application.
• Effective March 1, 2025: Borrower must be a Connecticut resident attending a non-profit, degree granting institution of higher education in the United States; or a resident of Maine, Massachusetts, New Hampshire, New Jersey, New York, Rhode Island, or Vermont attending an eligible Connecticut state or non-profit, degree granting institution of higher education.
• Effective March 1, 2025: Co-borrower must be a resident of Connecticut, Maine, Massachusetts, New Hampshire, New Jersey, New York, Rhode Island, or Vermont.
• Aggregate borrowing limit of $125,000.

Interest Rates*

• Current fixed rate is 6.65% fixed for all qualified applicants.
• New graduate loan in development will offer 5, 10, and 15-year repayment term options with fully deferred, interest-only, and immediate principal and interest repayment options. One fixed rate will be applied to each repayment term option.

*Rate current as of date of listing and may reflect available autopay discount.

Fees

• No fees

Repayment Options During School/Grace

• Deferred
• Interest-only

Grace Period

• 6 months

Standard Repayment Term Lengths

• 5, 10, and 15 years (for new graduate loans in development).

Co-signer Release

• Available after 5 years in repayment, with no blemishes during the repayment period. The repayment period starts 6 months after graduating or leaving school.
• Borrower must satisfy eligibility criteria as if applying for a new loan at the time of the request.

Options for Hardship and/or Death/Disability

• Natural disaster event forbearance available.
• Financial hardship forbearance available in 2-month increments, up to a maximum of 6 months.
• An administrative hardship forbearance may be granted at the discretion of CHESLA for Internships/Residency.
• Borrower death forgiveness available.
• Borrower total and permanent disability forgiveness available.

Lender Also Offers a Bar Study Loan: No

Listing Source: This listing was created with information submitted directly by the lender (February 2026).

Eligibility and Limits

• Available to Maine residents attending an approved school at least half-time in the United States or Canada, or student must be a resident of New Hampshire, Vermont, Massachusetts, or Rhode Island attending an approved school at least half-time in Maine.
• At least 1 of the borrowers must be a U.S. citizen or permanent resident.
• All borrowers must have a valid U.S. social security number.
• Student and co-signer (if applicable) must demonstrate a sound credit history and ability to repay the debt.

Interest Rates*

• Fixed: Between 5.99% and 7.74% APR, depending on the repayment option selected.

*Rate current as of date of listing and may reflect available autopay discount.

Fees

• No origination or application fees
• No pre-payment penalties

Repayment Options During School/Grace

• Immediate
• Interest-only
• Deferment

Grace Period

• 6 months

Standard Repayment Term Lengths

• 10 to 15 years

Co-signer Release

• Not available

Options for Hardship and/or Death/Disability

• Deferment options vary depending on your loan type and the date of your loan.

Lender Also Offers a Bar Study Loan: No

Listing Source: This listing was created by AccessLex Institute using publicly available information found on the lender's website (February 2026).

Eligibility and Limits  

• Granite Edvance Student Loan for New Hampshire residents or those attending college in New Hampshire.
• EdvestinU loans available to borrowers beyond New Hampshire.
• Students must be a U.S. citizen or eligible non-citizen and the age of majority within the state that they reside or be applying with a co-signer that is.
• If applying without a co-signer, the student must have a credit score of 750+ and income of $30,000 annually. In addition, they must pass a credit history review.
• Annual borrowing limit of $99,999 and aggregate borrowing limit of $200,000.

Interest Rates*

• The Granite Edvance Student Loan and the EdvestinU Private Loan have an interest rate spread of 3.74% to 11.99%.

*Rate current as of date of listing and may reflect available autopay discount.

Fees  

• No required upfront fees or pre-payment penalties
• There is a late fee and an insufficient funds fee equal to 5% of the monthly due amount or $5, whichever is less.

Repayment Options During School/Grace

• Immediate Repayment
• Deferred
• Interest-only

Grace Period

• 6 months

Standard Repayment Term Lengths

• 7, 10, and 15 years

Co-signer Release

• Available for current accounts after 24 months of consecutive and on-time payments (except for states that require borrowers to have made 12 months of consecutive and on-time payments), and if the remaining borrower meets the Lender’s then-required credit underwriting criteria.

Options for Hardship and/or Death/Disability

• When in repayment a borrower can enter into a 12-month interest – the only plan that offers temporary relief during repayment.
• Offers borrowers up to 24 months of hardship forbearance available in three-month increments.
• In the event of a borrower’s death, the remaining indebtedness on the loan would be cancelled for both the borrower and co-signer (if applicable). Please note that relevant state laws may apply as it pertains to total and permanent disability discharge.

Lender Also Offers a Bar Study Loan: No

Listing Source: This listing was created with information submitted directly by the lender (February 2026).

Eligibility and Limits  

• Must be an Indiana resident or be attending a college or university in Indiana.
• Must be a citizen or permanent resident of the United States.
• Borrower or co-signer (if applicable) must have an established credit history and meet annual income and additional credit requirements.
• Can borrow up to the cost of attendance minus other aid annually.

Interest Rates*

• Fixed: 4.34% to 8.43% APR
• Variable: 6.47% to 10.52% APR

*Rate current as of date of listing and may reflect available autopay discount.

Fees  

• No origination fees

Repayment Options During School/Grace

• Immediate
• Interest-only
• Deferred

Grace Period

• 6 months

Standard Repayment Term Lengths

• 5, 10, or 15 years

Co-signer Release

• Available after 12 consecutive, monthly on-time principal and interest payments.
• Borrower must meet the underwriting and credit criteria at the time the co-signer release is requested.

Options for Hardship and/or Death/Disability

• Borrowers experiencing periods of financial difficulty may be granted 2 forbearances per 12-month period.
• Forbearance duration may be from a minimum of 1 month to a maximum of 3 months.
• A maximum of 24 total months of forbearance may be granted during the life of the loan.
• In the event the borrower dies or becomes totally and permanently disabled, an INvestEd Student Loan can be forgiven.

Lender Also Offers a Bar Study Loan: No

Listing Source: This listing was created by AccessLex Institute using publicly available information found on the lender's website (March 2026).

Eligibility and Limits  

For Partnership Advance Education Loan

• Available to U.S. citizens or permanent residents residing in the United States (Connecticut, Maine, and Puerto Rico residents are not eligible currently).
• Co-signers must be U.S. citizens or permanent residents residing in the United States. Residents of Connecticut, Maine, and Puerto Rico may not co-sign for this loan.
• Must be attending any nonprofit, Title IV eligible, degree-granting, accredited college or university or nonprofit school of nursing located within the United States.
• Must meet all other credit underwriting criteria.
• May borrow up to the school-certified cost of attendance minus other aid each year.

For Illinois Partnership Loan Program

• Available to U.S. citizens or permanent residents residing in Illinois.
• Co-signers must be U.S. citizens or permanent residents residing in the United States. Residents of Connecticut, Maine, and Puerto Rico may not co-sign for this loan.
• Borrower must be attending any nonprofit, Title IV eligible, degree-granting, accredited Illinois college or university.
• Must meet all other credit underwriting criteria.
• May borrow up to the school-certified cost of attendance minus other aid each year.

Interest Rates*

• For Partnership Advance Education Loan: Fixed: 2.70% APR to 8.70% APR
• For Illinois Partnership Loan Program: Fixed: 3.45% APR to 6.77% APR

*Rate current as of date of listing and may reflect available autopay discount.

Fees  

• No origination, pre-payment, late, or other fees associated with these loans

Repayment Options During School/Grace

• Immediate Payment
• Interest-Only Payment
• Deferred

Grace Period

• 6 months

Standard Repayment Term Lengths

• 10 and 15 years

Co-signer Release

• Available after the first 24 consecutive monthly principal and interest payments are received on time, provided you meet the underwriting and credit criteria at the time the co-signer release is requested.

Options for Hardship and/or Death/Disability

• Deferment available in some cases for hardship.
• Loans are discharged upon death or total and permanent disability.

Lender Also Offers a Bar Study Loan: No

Listing Source: This listing was created by AccessLex Institute using publicly available information found on the lender's website (March 2026).

Eligibility and Limits  

• Available to U.S. citizens or noncitizens with proof of residency card, who are enrolled at an eligible school, are the age of majority, and have an acceptable income and credit history or an approved co-signer.
• Can borrow up to school-certified cost.

Interest Rates*

• Fixed: 3.18%-11.49% APR, depending on the repayment plan or repayment term selected, credit history, state of residence, location of school, and other factors.

*Rate current as of date of listing and may reflect available autopay discount.

Fees  

• No application, origination, default, late, or insufficient fund fees

Repayment Options During School/Grace

• Immediate
• Interest-only
• Deferment

Grace Period

• 6 months

Standard Repayment Term Lengths

• 10 years

Co-signer Release

• May be available after 12 consecutive months of on-time regularly scheduled principal and interest payments, although lump sum payments count as well. 

Options for Hardship and/or Death/Disability

• Borrowers can request to temporarily suspend payments upon a proven economic hardship or during military deployment.
• If the borrower dies or becomes totally and permanently disabled prior to loan payoff, the borrower and co-signer (if applicable) are released from the outstanding debt. 

Lender Also Offers a Bar Study Loan: No

Listing Source: This listing was created by AccessLex Institute using publicly available information found on the lender's website (February 2026).

Eligibility and Limits  

• MEFA Law School Loans are available to students across the country.
• Borrowers must be a U.S. citizen or permanent resident.
• Students must be enrolled at least half-time in a degree granting program and making satisfactory academic progress.
• Minimum credit scores required by repayment option.
• Can borrow up to cost of attendance minus other aid.

Interest Rates*

• Current graduate loan rates between 7.24% to 8.89%, depending on repayment option chosen.
• Rates for new Law School Loans will be announced May 2026.

*Rate current as of date of listing and may reflect available autopay discount.

Fees  

• No origination fees, application fees, or pre-payment penalties

Repayment Options During School/Grace

• Interest-only
• Deferred

Grace Period

• Dependent on chosen repayment option.
• Grace period for the deferred repayment option is 6 months.
• Additional 12-month grace period for clerkships available.

Standard Repayment Term Lengths

• Loan must be fully repaid within 15 years of the end of the grace period.

Co-signer Release

• Not available

Options for Hardship and/or Death/Disability

• MEFA offers Modified Payment Plan options to borrowers experiencing hardship.

Lender Also Offers a Bar Study Loan: No

Listing Source: This listing was created with information submitted directly by the lender (February 2026).

Eligibility and Limits  

• Available to Minnesota residents with a co-signer, who are attending eligible schools and non-residents attending eligible schools in Minnesota.
• Can borrow up to $40,000 a year and $140,000 cumulatively.

Interest Rates*

• Fixed: Between 5.69% and 6.22% APR, depending on repayment term.
• Variable: Between 5.46% and 5.99% APR, depending on repayment term; Variable rates are subject to change quarterly.

*Rate current as of date of listing and may reflect available autopay discount.

Fees  

• No application, origination, or late fees

Repayment Options During School/Grace

• In-school period
• Transition period
• Extension period
• Repayment period

Grace Period

• None

Standard Repayment Term Lengths

• 10, 15, or 20 years

Co-signer Release

• Not available

Options for Hardship and/or Death/Disability

• None

Lender Also Offers a Bar Study Loan: No

Listing Source: This listing was created by AccessLex Institute using publicly available information found on the lender's website (February 2026).

Eligibility and Limits  

• NJCLASS Family Loans available to U.S. citizens or eligible non-citizens who are New Jersey residents attending an eligible school worldwide or non-New Jersey resident attending an eligible school located in NJ.
• Co-signer required if credit and income requirements not met.
• Student must file FAFSA and school will certify NJCLASS loan amount based on cost of attendance.
• Newer borrowers subject to an aggregate loan limit, adjusted annually.

Interest Rates*

• Fixed: Between 6.50% and 8.75% depending on repayment term.

*Rate current as of date of listing and may reflect available autopay discount.

Fees  

• No origination or administrative fees
• No pre-payment penalties

Repayment Options During School/Grace

• Immediate
• Deferred
• Interest-only

Grace Period

• None

Standard Repayment Term Lengths

• 10, 15, or 20 years

Co-signer Release

• None indicated

Options for Hardship and/or Death/Disability

• Active-Duty Status Deferment Relief Request
• Financial Hardship Forbearance Relief Request
• In-School Deferment Relief Request
• Internship or Residency Program Deferment Relief Request
• Peace Corps Deferment Relief Request
• Recent Graduate Relief Request
• Servicemember’s Civil Relief Act Benefits Request Form
• Unemployment Deferment Relief Request
• Temporary Total Disability

Lender Also Offers a Bar Study Loan: No

Listing Source: This listing was created by AccessLex Institute using publicly available information found on the lender's website (February 2026).

Eligibility and Limits  

• Available to Oklahoma residents attending an approved school in or out of Oklahoma, and students from Texas attending an approved Oklahoma school.
• All borrowers must be citizens or permanent residents of the United States.
• Available to students regardless of enrollment status, including those enrolled less than half-time.
• $300,000 aggregate borrowing limit.

Interest Rates*

• Fixed: Between 3.23% to 10.27% APR 

*Rate current as of date of listing and may reflect available autopay discount.

Fees  

• No origination or application fees
• No pre-payment penalty

Repayment Options During School/Grace

• Deferred
• Fixed in-school payments
• Interest-only
• Immediate

Grace Period

• 6 months

Standard Repayment Term Lengths

• 5, 10, and 15 years

Co-signer Release

• Available upon completion of making 48 consecutive on-time payments.

Options for Hardship and/or Death/Disability

• Temporary hardship forbearance may be granted, upon request, for up to 12 months over the life of the loan.
• Disaster forbearance is available to borrowers and co-signers whose home or place of employment has been impacted by a federally declared major disaster and who, as a result, are unable to make payments.
• Graduate loans are eligible for in school deferment with acceptable proof of enrollment.
• Armed Forces Deferment is available while the borrower or co-signer is in an active-duty status.

Lender Also Offers a Bar Study Loan: No

Listing Source: This listing was created with information submitted directly by the lender (February 2026).

Eligibility and Limits  

• Available to Pennsylvania residents attending an approved school in or out of Pennsylvania, or students from an approved state (DE, MD, NJ, NY, OH, VA, and WV) attending an approved PA school.
• Borrowers must be citizens or permanent residents of the United States. 
• May borrow up to 100% of the school-certified cost of attendance (COA), with a total aggregate loan limit of $300,000. 

Interest Rates*

• Fixed: 3.29% to 10.45% APR.

*Rate current as of date of listing and may reflect available autopay discount.

Fees  

• No application, origination, or loan fees
• No pre-payment penalty

Repayment Options During School/Grace

• Deferred
• Fixed in-school payments
• Interest-only
• Immediate

Grace Period

• 6 months

Standard Repayment Term Lengths

• 5, 10, or 15 years

Co-signer Release

• Available after 48 qualifying payments. 

Options for Hardship and/or Death/Disability

• No information provided

Lender Also Offers a Bar Study Loan: No

Listing Source: This listing was created by AccessLex Institute using publicly available information found on the lender's website (February 2026).

Eligibility and Limits  

• Available to students and parents nationwide.
• Must be enrolled at least half-time at: a Title IV Degree-granting School, Public or non-profit institutions of higher education. 
• Must be 18 by 12/31/2025.
• Both borrower and co-signer must be U.S. citizens or permanent residents holding a non-conditional green card.  
• $180,000 aggregate borrowing limit per borrower and $200,000 per family.

Interest Rates*

• Fixed: 2.99%-9.24% APR.
• Variable: 2.99%-8.77% APR.

*Rate current as of date of listing and may reflect available autopay discount.

Fees  

• No application, origination, or late fees

Repayment Options During School/Grace

• Immediate
• Deferred

Grace Period

• 6 months after student leaves school, not to exceed 78 months (72 months in school and 6 months grace).

Standard Repayment Term Lengths

• 5, 10, and 15 years

Co-signer Release

• Available after making 24 on-time and consecutive payments

Options for Hardship and/or Death/Disability

• Forbearance is available for up to 24 months for unforeseen circumstances such as unemployment, disability, and/or other financial hardships. 
• RISLA's Income-Based Repayment (IBR) plan is available for borrowers experiencing financial hardship.
• RISLA will forgive the outstanding balance on any non-federal RISLA student loan, parent loan, or refinance loan upon the student's death or permanent disability.

Lender Also Offers a Bar Study Loan: No

Listing Source: This listing was created by AccessLex Institute using publicly available information found on the lender's website (February 2026).

Eligibility and Limits  

• Available to anyone attending a law school in South Carolina and any student from South Carolina attending a law school in another state. 
• Aggregate borrowing limit is $150,000. 

Interest Rates*

• Fixed and variable rates available, with APR ranging from 5.710% to 12.647%.

*Rate current as of date of listing and may reflect available autopay discount.

Fees  

• No application or origination fees

Repayment Options During School/Grace

• Deferred
• Fixed $25 monthly payment
• Interest-only

Grace Period

• 6 months 

Standard Repayment Term Lengths

• 10 and 15 years

Co-signer Release

• Not indicated

Options for Hardship and/or Death/Disability

• Forbearance available for economic hardship, internship/residency, and more. Limited to a lifetime maximum of 36 months.

Lender Also Offers a Bar Study Loan: No

Listing Source: This listing was created by AccessLex Institute using publicly available information found on the lender's website (February 2026).

Eligibility and Limits  

• Be classified by the institution as a Texas resident.
• Be registered with Selective Service or be exempt.
• Be accepted for enrollment and enrolled at least half-time at an eligible Texas institution in a course of study leading to a certificate, an associate, a bachelor’s, a graduate or higher degree, or an approved alternative educator certification program.
• Meet the satisfactory academic progress requirements set by the institution.
• Receive a favorable credit evaluation or provide a co-signer who has good credit standing and meets other requirements.
• Students may borrow no less than $100 and up to the cost of attendance minus any other financial resources.
• “Manageable debt” for the borrower’s program of study is considered when determining aggregate eligibility.

Interest Rates*

• Currently a fixed annual rate of 6.30%

*Rate current as of date of listing and may reflect available autopay discount.

Fees  

• No origination fee
• Late charges: 5% of the amount of your monthly payment, or $5.00, whichever is less

Repayment Options During School/Grace

• Loans have a 6-month grace period from the date a borrower ceases to be enrolled at least half time at an eligible institution.
• Students may choose to begin full repayment while enrolled.

Grace Period

• 6 months

Standard Repayment Term Lengths

• Principal balances under $30,000 have up to a 10-year repayment period with minimum monthly payments of $50.
• Principal balances of $30,000 or more have a repayment period up to 20 years.
• Postponements of loan repayment and income-sensitive or graduated repayment schedules are available.

Co-signer Release

• Not Indicated

Options for Hardship and/or Death/Disability

• Payment postponement available for temporary financial hardship
• Discharge available for total and permanent disability
• Discharge available upon death of the borrower

Lender Also Offers a Bar Study Loan: No

Listing Source: This listing was created by AccessLex Institute using publicly available information found on the lender's website (March 2026).

Eligibility and Limits  

• Available to Vermont residents attending college in or out of state, or students from another state attending college in Vermont.

Interest Rates*

• Fixed: 5.26% to 9.07% APR

*Rate current as of date of listing and may reflect available autopay discount.

Fees  

• No origination or application fees
• No pre-payment penalty

Repayment Options During School/Grace

• Immediate
• Interest-only
• Deferred

Grace Period

• The Vermont Advantage Student loan does not have a grace period. If you choose the Interest-only or Deferred option, full monthly payments of principal and interest are due within 45 days if you're no longer continuously enrolled at least half-time.

Standard Repayment Term Lengths

• 10 or 15 years

Co-signer Release

• Available after 48 months of active repayment to qualified student loan borrowers.

Options for Hardship and/or Death/Disability

• Up to 24 months of hardship forbearance is available and determined at VSAC’s discretion.
• Loan forgiveness available for death or total and permanent disability of primary borrower.

Lender Also Offers a Bar Study Loan: No

Listing Source: This listing was created by AccessLex Institute using publicly available information found on the lender's website (February 2026).