Important COVID-19 Updates

The well-being of our customers and colleagues is our top priority. Visit our Resource Center for the latest information.

A newer version of your browser is available. Older versions may limit your ability to access some of this site's functionality. Citizens Bank recommends upgrading your browser.

Learn More

Download the newest version of Microsoft Internet Explorer

Clear Search

Bar Exam

Get the funds you need
to pass the bar.

Rates as low as
#ProductLine=Edfi|Brand=citizensone|ProductSet=barStudyProductSet|Disclosure=disclosure|DisclosureName=studentVariable|DisclosureAttribute=APRMin# APR Variable
#ProductLine=Edfi|Brand=citizensone|ProductSet=barStudyProductSet|Disclosure=disclosure|DisclosureName=studentFixed|DisclosureAttribute=APRMin# APR Fixed

Get the funds you need
to pass the bar.

Rates as low as
#ProductLine=Edfi|Brand=citizensone|ProductSet=barStudyProductSet|Disclosure=disclosure|DisclosureName=studentVariable|DisclosureAttribute=APRMin# APR Variable
#ProductLine=Edfi|Brand=citizensone|ProductSet=barStudyProductSet|Disclosure=disclosure|DisclosureName=studentFixed|DisclosureAttribute=APRMin# APR Fixed

Get the funds you need
to pass the bar.

Rates as low as

#ProductLine=Edfi|Brand=citizensone|ProductSet=barStudyProductSet|Disclosure=disclosure|DisclosureName=studentVariable|DisclosureAttribute=APRMin# APR Variable

#ProductLine=Edfi|Brand=citizensone|ProductSet=barStudyProductSet|Disclosure=disclosure|DisclosureName=studentFixed|DisclosureAttribute=APRMin# APR Fixed

Start Now

A Loan to Fit Your Needs

Secure the money you need to ace the bar exam with a Citizens One Student Loan® for Bar Study. Borrow up to $16,000 and choose from competitive fixed and variable rates and repayment options that fit your schedule and budget.

  • Fixed Rates

    #ProductLine=Edfi|Brand=citizensone|ProductSet=barStudyProductSet|Disclosure=disclosure|DisclosureName=studentFixed|DisclosureAttribute=APRMin# - #ProductLine=Edfi|Brand=citizensone|ProductSet=barStudyProductSet|Disclosure=disclosure|DisclosureName=studentFixed|DisclosureAttribute=APRMax# APR

    Your interest rate will remain constant over the life of your loan and your monthly payment amount will remain the same.

    Rate and Repayment Examples
  • Variable Rates

    #ProductLine=Edfi|Brand=citizensone|ProductSet=barStudyProductSet|Disclosure=disclosure|DisclosureName=studentVariable|DisclosureAttribute=APRMin# - #ProductLine=Edfi|Brand=citizensone|ProductSet=barStudyProductSet|Disclosure=disclosure|DisclosureName=studentVariable|DisclosureAttribute=APRMax# APR

    Get a potentially lower rate and lower monthly payments. The interest rate will fluctuate monthly, and therefore, your monthly payment amount will vary over time.

    Rate and Repayment Examples

3 Reasons to Choose Citizens One

  • Easy

    Get the funds
    you need quickly

    Borrow up to $16,000 to help you cover exam fees and living expenses while you're studying for the bar. Get your funds fast.

  • Affordable

    Low rates to
    save you more

    Lower our competitive rates by 0.50% with our loyalty and auto payment discounts plus save with no application, origination, or disbursement fees.

    View our rates

  • Flexible

    Payments on your schedule
    — not ours

    Choose how and when you want to pay. Make full (principal and interest) or interest-only payments, or put your payments on hold for up to six months after graduation.

Bar Study Loan Features

  • Repayment

    Choose from 5 or 10-year terms. You can defer repayment of the loan while in school and for up to six months after graduation. View our repayment examples.

  • Eligibility

    • Must be a U.S. citizen or permanent resident, or have a U.S. citizen cosigner
    • International students can apply with a creditworthy U.S. citizen or permanent resident cosigner
    • Borrowers must have graduated in the last six months OR be enrolled at least half-time in a degree granting program at an eligible law school AND within six months of graduation
  • Loan Amounts

    Minimum: $1,000
    Maximum: $16,000

    Aggregate student loan limit of $225,000 applies.

3 Easy Steps to Apply

Studying for the bar exam takes time; applying for a loan with Citizens doesn’t. Submit an application in 15 minutes with these 3 easy steps. 

Get Started


Complete the online application

Apply from your computer or mobile device. You also have the option to add a cosigner, which may increase your likelihood of approval, and getting the most favorable rate.


Select your rate and terms

Choose a fixed or variable rate, the loan term, and how and when you want to repay the money.


Sign and accept.

You and your cosigner (if applicable) will sign and accept your loan documents electronically.

Learn More About Bar Study Loans

Funding your bar exam may be one of the biggest financial decisions you’ll make in your lifetime. Make sure you have all the information you need before you sign by reading the information below.

  • What do I need to apply?

    To complete your application, you and your cosigner (if applicable) must have the following information:

    • Name, address, phone number, email address
    • Date of birth
    • Social Security Number
    • Recent pay stub (no more than 30 days old) or other proof of income and monthly housing payment
    • Employer name, phone number and length of employment (if applicable)
    • Loan amount needed
    • Student's anticipated graduation date (if applicable)
    • Cosigner name and valid email address (if applicable) 
  • Are there any fees for Citizens One Student Loans?
    The Citizens One Student Loan® has no origination, application, or disbursement fees.
  • Are cosigners required?
    You need to present a strong credit profile, which is derived from your credit score and ability to repay. Although a cosigner is not required, applying with a creditworthy cosigner could increase your chances of approval and may result in a lower interest rate.
  • What are my repayment options?
    • Immediate - Pay both the principal and interest amounts while enrolled in school
    • In-School Interest Only - Make interest payments but defer payments on the principal amount
    • Deferred - Make no payments until six months after you graduate or if not enrolled at least half-time
  • What is the deferment period?
    You can defer repayment of the loan while in school and for up to six months after graduation.

Want to learn more? See all of our FAQs.

Speak with a Student Lending Advisor

Mon – Fri: 8:00 am – 9:00 pm ET
Sat: 8:30 am – 5:00 pm ET
Sun: 9:00 am – 2:00 pm ET

Helpful Tools

Questions? Ask a Citizen.
Questions? Ask a Citizen.