Private Bar Study Student Loan

An education loan for Bar Exam^[1]

0.50% rate discount with auto pay^[2]

Start Application

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

	5 Year^[3]	10 Year^[3]	15 Year^[3]
Fixed APRs	4.15 - 9.40%	8.39 - 13.64%	8.74 - 13.99%
Variable APRs	5.15 - 10.40%	9.39 - 14.64%	9.74 - 14.99%
Monthly Principal & Interest Payment on a $10,000 loan	$185.16 - $215.36	$123.82 - $160.09	$100.24 - $140.75

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

Loan amounts $1,000 - $15,000.^[5]
Cosigner Release: Borrower can apply for a cosigner release after 48 consecutive on-time monthly payments.^[6]
Funds are sent directly to the borrower.

How can a Cosigner help you?

Over 90% of our student borrowers have a cosigner.^[7]

A cosigner may help you:

Obtain a lower rate
Lower monthly payments
Increase your chance of approval

Explore more benefits of using a cosigner

Option to release the cosigner in the future^[6]

Ways to Apply

Apply now to receive a preliminary decision within minutes.^[1]

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

For additional rate and loan cost information view loan Application and Solicitation Disclosures.
APRs represent interest rates inclusive of any fees and deferment periods.

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

Email: Servicemembers@pnc.com

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

PNC Bar Study Loan Limits: $15,000

Minimum Loan Amount: $1,000

Maximum Aggregate Educational Debt (including federal and private student loans): $225,000

Related Resources

Student Lending

Student Loan Center

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

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Tools and Resources

Student Loans - FAQs

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

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Refinance

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.

Learn More

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Loans are subject to credit approval. Certain restrictions and conditions apply. NOTE: Applying with a creditworthy cosigner who is the age of majority in their state is required for 17-year old applicants and when the applicant is not the age of majority in the state they reside.

The PNC Student Loan is a private loan. Federal loans have features and benefits such as income-driven repayment plans, deferment, forbearance and loan forgiveness options that may not be available under a private loan. You are encouraged to explore all scholarship, grant and federal borrowing options before applying for a private loan.

Application Process: When you are applying for a PNC Student Solution Loan, you will be transferred to the website of one of our service providers. A list of information required to complete your application will be provided during the application process. For more information, access the PNC Student Lending Application Process page.

The hours to apply by phone are Monday through Friday: 8 a.m. to 5 p.m. ET
Automated Payment Discount: During repayment, an interest rate discount of 0.50% is available for automated 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. Automated payment can be established through the loan servicer American Education Services (AES). Advertised rates include the 0.50% automated payment interest rate discount. The rate discount will be applied at the time automated payment is established. If automated payment is not established, the available rates will be 0.50% higher than the advertised rates. If automated payment is established and discontinued at any time during repayment, the borrower will no longer receive an automated 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.
Annual Percentage Rates (APRs): APRs include a 0.50% interest rate discount for automated payments and are for the immediate repayment option. Interest-only and full deferment repayment options are also available. Rates effective as of 11/1/2024 and are subject to change at any time.

Fixed Annual Percentage Rates (APRs): Fixed rates are based on the creditworthiness of the borrower and cosigner, if any.

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 cosigner, 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 8.00%. If the index increases or decreases, your rate will increase or decrease accordingly. The rate will not exceed 18%.

The lowest APR is available to well-qualified applicants. Your actual APR will be based on your credit qualifications, loan program, interest rate option, repayment term, repayment option and whether you elect the automated payment feature.

Loan Payment Examples: The monthly payment per $10,000 borrowed at a fixed-rate range of 8.39% APR to 13.64% APR for 10 years means you would make 120 payments that may range from $123.82 to $153.97. The monthly payment per $10,000 borrowed at a variable-rate range of 9.39% to 14.64% APR for 10 years means you would make 120 payments that may range from $129.29 to $160.09. For the variable-rate loan, monthly payment may increase or decrease if the interest rate increases or decreases. Estimated loan payment examples assume 30 days to first payment and are for the immediate repayment option. Payments vary for other rates, loan amounts and repayment terms.

For additional rate and loan cost information view loan Application and Solicitation Disclosures.
Repayment Options: Three repayment options are available - Immediate repayment of principal & interest, interest-only payments while in school and full deferment of principal & interest until six months after graduating or ceasing to be enrolled at least half-time in school. Interest will continue to accrue during periods of deferment. You will receive quarterly interest statements during this 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 period.
PNC Bar Study Loan Limits: $15,000. Minimum Loan Amount: $1,000. Maximum Aggregate Educational Debt (including federal and private student loans): $225,000
Cosigner Release: A request to release a cosigner 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 cosigner release, the borrower must submit a request, meet the consecutive, timely payment requirements, provide proof of income and pass a credit check.
Data based on PNC Student Loans (Undergraduate, Graduate, Health & Medical Professions, Health Professions Residency and Bar Study) originated in 2023. Impact of cosigner may vary and final loan terms are subject to credit approval.

PNC does not provide accounting, tax or legal advice. Financial literacy content and interactive calculators are provided for educational, informational and illustrative purposes only. The utilization of calculators and any results displayed do not represent an offer or solicitation for a product or service by PNC Bank or its affiliates. PNC does not guarantee the accuracy or applicability of these resources to your circumstances. Please consult a financial, tax or legal advisor regarding your specific situation.

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.

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Private Bar Study Student Loan

An education loan for Bar Exam[1]

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

Key Features & Benefits

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

Save Money

Flexible Repayment

Product Details

How can a Cosigner help you?

Ways to Apply

Apply now to receive a preliminary decision within minutes.[1]

Apply Online

Apply by Phone

Apply in Branch

Payment Calculator

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

Additional Information

Application and Solicitation Disclosures

Additional Features & Benefits

Applying with a Cosigner

Servicemembers Civil Relief Act (SCRA)

Loan Limits

Related Resources

Student Loan Center

Student Loans - FAQs

PNC Education Refinance Loan

Have Questions?

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

Call Us

Let's Start A Conversation

Schedule an Appointment

Find Your Local Branch

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An education loan for Bar Exam^[1]

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

Apply now to receive a preliminary decision within minutes.^[1]