Best Bar Exam Study Loans for October 2025

Student Finance & Loan Expert

Preparing for the bar exam is the last most important step toward launching a successful legal career. Beyond the rigorous studying and reviewing required to pass the bar, students must fund the costs of the bar exam, room and living, books, and more. As a career planner for over 10 years, I’ve witnessed how law school graduates struggle to navigate the financial demands of bar exam preparation without adequate support.

Given these challenges, looking into bar exam study loans is a critical financial lifeline. Finding bar exam loans involves comparing offers, rates, repayment terms, and other benefits that suit your financial situation. Securing a loan also allows you to focus fully on your exam preparation without the immediate worry of financial strain.

Therefore, in this guide, I’ll dive into the bar study loans, including interest rates, repayment periods, and amount limits, to shed light on this topic. I’ll also provide a short list of the best bar exam study loans to help you select the right financial assistance as you work towards achieving your goal of becoming a lawyer.

Why should you apply for bar exam study loans?

Bar exam study loans range from $1,000 to $20,000, depending on your financial needs and the lender.
Many lenders offer flexible repayment terms, including deferment options that allow you to postpone payments until after you pass the bar exam and secure employment.
Successfully managing and repaying a bar exam study loan can help you build and improve your credit score, which is beneficial for future financial endeavors.

Best Bar Exam Study Loans for 2025
What are bar exam study loans?
How do bar exam study loans differ from other student loans?
How do I apply for a bar exam study loan?
What do I look for in a bar exam study loan?
How much can I borrow with a bar exam study loan?
What are the interest rates for bar exam study loans?
What are the repayment terms for bar exam study loans?
How does the cost of bar exam preparation compare to other professional degrees?
Can I get a bar exam loan with bad credit?
Will My Bar Exam Study Loan Enhance My Career and Earnings?
How Can I Compare Bar Exam Study Loan Offers Effectively?
Will taking a bar exam study loan affect my credit score and future financial opportunities?
Can I Refinance My Bar Exam Study Loan?
Can bar exam study loans cover rent and other essential living expenses?
Are there any tax benefits associated with bar exam study loans?
How can I enhance my eligibility for a bar exam study loan?
What questions should I ask my bar exam loan provider?
What to do if my bar exam loan is denied?
What are the alternatives to bar exam study loans?
How to Budget for Bar Exam Expenses and Minimize Debt
What are the potential risks of taking a bar exam study loan?
Other Things You Should Know About Bar Exam Study Loans

Best Bar Exam Study Loans for 2025

1. PNC Bank

PNC Bank offers a friendly loan package for future lawyers. Some benefits include a 0.50% discount on automated payments and graduated rates depending on the repayment period. Students can choose to repay principal and interest immediately, interest only, or full deferment of principal and interest until six months after graduation. Co-signer release becomes available after 48 months of consecutive payments.

Variable APR: 5.99% - 15.49%
Fixed APR: 4.49% - 13.99%
Annual Loan Maximum: $15,000
Repayment: 5, 10, 15 years
Fees: None

2. Citizens Bank

Citizens Bank provides an extensive law school loan with a large aggregate limit. In addition, it offers immediate, interest-only, and deferred repayment options. The lender also implements a multi-year approval to avoid the hassle of reapplying. After 36 consecutive monthly payments, students can have a co-signer release.

Variable APR: 5.97% - 14.94%
Fixed APR: 4.39% - 13.96%
Lifetime Aggregate Limit: $225,000
Repayment: 5, 10, 15 years
Fees: None

3. Sallie Mae

Sallie Mae’s bar exam loan funds are disbursed directly to the students, giving them full control of their expenses. Borrowers can release a co-signer as soon as 12 consecutive monthly payments. With a nine-month grace period, students have more leeway to get their finances in order. Lastly, students can avail of low interest-only payments for the first two to four years of the repayment period and continue to pay principal and interest payments throughout the life of the loan.

Variable APR: 8.13% - 17.72% (auto-pay)
Fixed APR: 7.01% - 15.26% (auto-pay)
Annual Loan Maximum: $1,000 - $15,000
Repayment: Up to 15 years
Fees: None

4. College Ave

College Ave offers a versatile bar exam study loan that can be personalized based on the borrower’s needs and financial budget. Their loan amounts usually cover living expenses and exam prep fees. Borrowers also gain a 0.25% auto-pay discount for monthly repayments. Applicants must be recent JD graduates or students in their last year of law school.

Variable APR: 8.19% - 14.49% (auto-pay)
Fixed APR: N/A
Annual Loan Maximum: Released upon request/application
Repayment: 1, 3, 5 years
Fees: None

Here’s What Students Have to Say About Getting Bar Exam Study Loans

“The loan I received really helped me get through my bar exam study. With the funds, I was able to enroll in a comprehensive bar review course and purchase all the recommended study aids. Knowing I could confidently repay the loan after starting my job allowed me to concentrate solely on my studies.” - Mia
“I was initially worried about how I would manage the costs associated with bar exam preparation. The bar exam study loan I took covered everything, including study materials and living expenses, so I could focus on my studies. The flexibility of repaying the loan after securing a job made it a practical choice for me.” - Justin
“Obtaining a bar exam study loan ensured that I could afford a top-notch bar review course and all the study tools required. More importantly, it allowed me to dedicate my time to studying without getting worried about my finances. Now, I’m repaying it on terms that are friendly for a fresh bar passer.” - Adriana

What are bar exam study loans?

Bar exam study loans are specialized financial borrowing programs designed to support law students and recent graduates as they prepare for the bar exam. Unlike traditional student loans, which cover broader educational expenses like increasing tuition fees, bar exam study loans target the costs of exam review courses, exam preparation materials, exam fees, and living expenses.

In addition, bar exam study loans often come with terms and conditions tailored to the unique needs of aspiring lawyers. Lenders typically offer flexible repayment options, including a deferment period that allows borrowers to delay payments until they have passed the bar exam or secured employment.

Furthermore, the application process for bar exam study loans usually considers the applicant's potential future earnings rather than just their current financial status, which can be beneficial for recent graduates who are not yet employed.

How do bar exam study loans differ from other student loans?

Bar exam study loans are distinct from traditional student loans in several key ways, from their purposes, amount limits, and repayment terms. For instance, federal and private student loans are designed to cover various educational expenses throughout an entire undergraduate or graduate academic program. The bar exam study loan is specifically for the costs incurred during bar preparation.

Moreover, federal student loans often come with fixed interest rates, subsidized interest options for undergraduate students, and various income-driven repayment plans. Private student loans have both fixed and variable interest rates and less flexible repayment options than federal loans. Because bar study loans are private loans, they often feature similar terms and offers as private student loans.

Meanwhile, law school loans are a subset of private student loans intended to cover the costs of a JD program. In contrast, bar exam study loans are intended to bridge the financial gap between graduation and the start of a professional career.

According to the Bar Examiner (2024), a total of 66,174 students took the bar in 2023, with 38,485 successful takers, representing a 58% overall pass rate. The chart below indicates the top states with the highest total number of passers. This pass rate underscores the popularity of legal professions and the significant number of students who may require bar study loans to cover the costs of bar preparations.

How do I apply for a bar exam study loan?

Obtaining a bar exam study loan involves meeting eligibility criteria and following a structured application process. Each lender has specific policies, so be sure to check the lender’s website. In general, the following are the requirements and steps to apply for bar exam study loans.

Requirements:

Enrolled at least half-time in the final law school year/graduate of an ABA-accredited law school within the last 12 months
School information and/or proof of graduation
Plans to take the bar within six to 12 months after graduating
U.S. citizen or permanent resident
Good credit score and history
Personal information
Co-signer with good credit (if needed)
Co-signer’s personal, employment, tax, and income records

Steps:

Research Lenders: Identify and compare lenders that offer bar exam study loans to find the best repayment terms. Many of these lenders offer credit checks without affecting your score.
Check Eligibility: Review the lenders’ requirements to determine if you meet them.
Gather Documentation: Collect necessary documents to ensure a smooth application process. If you need a co-signer, ready their documents as well.
Complete Application: Fill out the loan application form provided by the chosen lender.
Submit and Await Approval: Submit the application and required documents, then wait for the lender to review and approve the loan, which may include a credit check and additional verification steps.

What do I look for in a bar exam study loan?

Choosing the right bar exam study loans means considering several factors that the lender you choose suits your needs. Understanding these key elements will help you make an informed decision and secure the best possible terms for your situation.

Fixed vs. Variable APR: Determine the fixed and variable annual percentage rates (APR) from different lenders. A fixed APR provides predictable monthly payments, making it easier to budget. A variable APR may start lower but can fluctuate, potentially lowering overall costs if market conditions are favorable.
Grace Period: Look for loans that offer a grace period or deferment options. These options allow you to start repayment after passing the bar exam and gaining employment.
Repayment Flexibility: Consider loans with flexible repayment plans. Most lenders offer a repayment period of five, 10, or 15 years.
Maximum Loan Amount: Check the maximum loan amount offered to ensure it covers all your bar exam preparation expenses.
Fees and Penalties: Verify if the loan includes origination, application, or early repayment fees and penalties and how they impact the overall loan cost.
Customer Service: Research the lender’s reputation for customer service and support. Make sure they are responsive, accessible, and helpful throughout the loan process.
Reviews and Ratings: Look for reviews and ratings from other borrowers to gauge their satisfaction and experience with the lender.

How much can I borrow with a bar exam study loan?

Bar exam study loans are designed to cover review course fees, study materials, exam fees, and living expenses. The cost of the bar exam varies by state, but it usually falls between $100 and $1,000.

Many lenders offer maximum loan amounts of around $10,000 to $20,000, which is normally sufficient to cover these costs. However, some lenders may have lower limits, so it’s important to research and compare options. Additionally, your creditworthiness, income, and any other financial obligations may affect the total amount you can borrow.

When determining how much to borrow, be sure to assess your anticipated expenses during the preparation period. Calculate the cost of bar review courses, study aids, transportation, rent, utilities, and other living expenses. Lastly, take into account the time it will take for you to secure a job since you may need additional funds to cover living expenses during this transition period.

According to a survey by the American Bar Association (ABA) and the AccessLex Institute Center for Legal Education Excellence (Cochran et al., 2021), the majority of bar applicants did not have bar study debt. Among those that do, applicants of color were reported to have the highest loan amounts, with 17.9% of Indigenous respondents borrowing more than $10,000.

The chart below further demonstrates the differences in debt by racial demographics. detail your financial needs to ensure that you adequately prepare for the costs associated with bar exam preparation.

What are the interest rates for bar exam study loans?

Interest rates for bar exam study loans can vary widely based on the lender, the borrower’s credit profile, and current market conditions. Typically, these loans can have interest rates ranging from 4% to 16%.

Lenders offer both fixed and variable interest rate options. Fixed rates provide a consistent monthly payment throughout the life of the loan, which can be beneficial for budgeting. Variable rates may start lower but can fluctuate over time based on market conditions, potentially leading to higher or lower payments in the future.

The specific interest rate you qualify for will depend largely on your credit score, income, and financial history. On a FICO scale, a good credit score is around 670–739, while an exceptional score is 800+ (MyFico, n.d.).

Borrowers with strong credit profiles and stable income sources are likely to receive more favorable interest rates. Having a co-signer with good credit can also help you secure a lower interest rate.

What are the repayment terms for bar exam study loans?

Many lenders provide a grace period of six to nine months after graduation or after passing the bar exam before repayment begins. This grace period allows graduates to focus on studying for the bar exam and securing employment without the immediate pressure of loan repayments.

Borrowers can choose to pay only the interest initially or the full principal amount plus interest. Moreover, some lenders offer deferment options that allow borrowers to postpone payments if they face financial hardships or are still seeking employment.

The average law school debt is around $160,000 (Hanson, 2023). Meanwhile, the average time to pay off student loans is 10 to 20 years. Generally, student loans are paid off over 10 to 20 years.

Bar exam study loans, being smaller than federal or other loans, can typically be repaid in a minimum of five years. However, many lenders offer repayment plans extending up to 10 or 15 years. Therefore, you may find that bar loans are generally easier to pay off, particularly because you will likely be employed by then.

How does the cost of bar exam preparation compare to other professional degrees?

The financial burden of preparing for the bar exam often feels immense, but it’s worth examining how these costs compare to those of other professional degree paths. For instance, studying to become a veterinarian requires significant investments in tuition, licensing exams, and associated living expenses. Prospective legal professionals, however, might find solace in knowing that the total outlay for bar exam costs is generally lower than the financial demands of veterinary programs, where tuition alone can exceed six figures.

For example, if you're wondering how bar exam preparation expenses stack up against the educational journey of aspiring veterinarians, you can compare by exploring specific data, such as how much is veterinary school. While a bar prep course may cost between $1,500 and $4,000, veterinary school tuition can range from $21,000 to over $50,000 annually for in-state students and even higher for out-of-state students.

Nonetheless, both paths share the common challenge of requiring financial evaluations and prudent planning to minimize debt accumulation. Understanding these differences can help aspiring professionals in various fields make informed decisions when navigating their educational and career pathways.

Can I get a bar exam loan with bad credit?

Obtaining bar exam study loans with bad credit can be challenging, but it is not impossible. To improve your chances of securing a bar exam loan with bad credit, you might consider applying with a co-signer who has a strong credit profile. A co-signer provides additional assurance to the lender that the loan will be repaid, which can help you qualify for better terms and lower interest rates.

When choosing this option, ensure that both you and your co-signer understand the financial responsibilities. Many bar study loan lenders also offer co-signer releases, which enable the co-signer to be removed from responsibility for the loan after you demonstrate a history of making on-time payments.

Additionally, exploring alternative lenders specifically for less-than-ideal credits or loan programs designed for students and recent graduates with limited or poor credit histories can be beneficial.

It’s also a good idea to take steps to improve your credit score before applying. By demonstrating financial responsibility and leveraging available resources, you can increase your likelihood of obtaining a bar exam loan despite having bad credit.

Based on the latest data from the U.S. Bureau of Labor Statistics (2024), the mean annual of lawyers in 2023 was $176,470, but the salary ranges from $69,760 to $239,200. While the legal profession is generally lucrative, it may take several years for lawyers to see a significant return on investment from their education. However, this does not imply that they are unable to repay their debts or have favorable earnings.

In a study by Georgetown University’s Center on Education and the Workforce (Strohl et al., 2024), among the surveyed schools, law school graduates earned approximately $100,000 after debt payments. At the top seven institutions, where the median monthly debt payments range from $2,300 to 1,800, graduates’ earnings exceeded $200,000. The chart below shows the net annual earnings of law graduates after debt payment from the top seven schools.

Will My Bar Exam Study Loan Enhance My Career and Earnings?

Evaluating the long-term return on investment is critical when considering a bar exam study loan. Assess your anticipated career trajectory and projected income to determine if the loan’s cost is justified by future earnings potential. Analyze job market trends, industry salary benchmarks, and alternative career pathways before committing to a loan. For instance, reviewing comprehensive salary research can provide insights into lucrative opportunities available after passing the bar and beginning your legal career, such as what jobs make the most money. Integrating these considerations into your financial strategy can help ensure that your decision supports both immediate exam preparation needs and sustainable long-term career goals.

How Can I Compare Bar Exam Study Loan Offers Effectively?

When evaluating bar exam study loan offers, focus on critical factors such as interest rate structures (fixed versus variable), associated fees, repayment flexibility, and any provisions for deferment or co-signer release. Utilize side-by-side comparisons and financial calculators to assess the true cost over time. Additionally, verify lender credibility through independent reviews and documented approval histories to ensure a secure financial partnership. Consider exploring alternative education financing options, including resources offered by cheap online colleges that accept FAFSA, which may provide competitive terms and lower expenses in similar contexts. A strategic comparison approach will enable you to choose the loan that best aligns with your specific financial and career goals.

Will taking a bar exam study loan affect my credit score and future financial opportunities?

Timely repayment of a bar exam study loan can bolster your credit history, demonstrating fiscal responsibility to future lenders. However, missed or late payments may adversely impact your credit score, thereby affecting your ability to secure subsequent financing for other professional or personal needs. Regular monitoring of your credit report and maintaining consistent on-time payments are essential steps to mitigate long-term credit risks. Additionally, a solid credit profile not only enables access to more favorable interest rates in the future but also strengthens your overall financial positioning to explore opportunities such as best careers for women.

Can I Refinance My Bar Exam Study Loan?

Refinancing options for bar exam study loans can provide improved interest rates and more favorable repayment terms once your credit profile or income prospects strengthen. Evaluating refinancing offers involves comparing new interest rate structures, fees, and the duration of the repayment period to ensure that the transition supports long-term financial stability. It is advisable to conduct a detailed analysis of your current loan conditions versus potential refinance packages before making a commitment. Additionally, exploring complementary financing strategies alongside consolidation refinancing may yield further benefits, similar to the considered benefits of exploring the fastest way to get associate's degree in other education sectors.

Can bar exam study loans cover rent and other essential living expenses?

When evaluating bar exam study loans, it is crucial to verify whether the funds extend beyond exam preparation costs to include essential living expenses. Some lenders design these loans with flexibility that may cover recurring costs such as rent, utilities, and basic necessities, while others strictly allocate funds for study-related expenditures. Clarify with your lender which expenses are eligible and consider requesting a detailed breakdown of how funds can be applied. For additional insights on financing broader living costs, review our article Can I use student loans for rent? Assess the loan’s structure to ensure it aligns with your comprehensive financial strategy during the bar preparation period.

Are there any tax benefits associated with bar exam study loans?

Some borrowers may question whether bar exam study loans offer any tax advantages similar to certain educational loans. While interest paid on qualified student loans can be tax‑deductible, tax benefits for bar exam study loans are not guaranteed and often depend on how the expenses are classified under current tax law. Tax treatment may vary based on whether the loan is considered a direct educational expense or a supplementary cost related to career preparation. It is advisable to consult a certified tax professional to determine if your specific situation qualifies for any deductions or credits. Additionally, for those seeking more favorable financial options, you might consider exploring no interest student loans as an alternative.

How can I enhance my eligibility for a bar exam study loan?

Strengthening your application involves proactively addressing financial and personal documentation. Begin by obtaining a current credit report to ensure accuracy and demonstrate responsible financial habits. Consider securing a co-signer with a strong credit history if your individual profile requires support. Additionally, streamline your financial documentation—such as proof of income and detailed expense breakdowns—to present a clear picture of your repayment capability. Exploring further educational opportunities, like pursuing cheap degrees online, may also illustrate your commitment to long-term career investment and financial responsibility. Finally, review multiple lenders’ eligibility criteria to align your application with their specific requirements and boost overall lender confidence.

What questions should I ask my bar exam loan provider?

When reviewing your options, confirm the specifics of interest rate structures, including any potential for rate variability or hidden fees, and ask about the exact repayment schedule with associated grace periods and prepayment penalties. Clarify details on co-signer requirements and co-signer release conditions, and inquire how the lender handles missed or late payments. Verify if the loan covers both exam preparation costs and essential living expenses, and request documentation outlining all fees and additional charges. Additionally, ask about eligibility criteria that may affect refinancing and if there are provisions for addressing fluctuations in your credit profile. Compare these factors with innovative financial strategies, such as exploring the shortest online bachelor's degree, to ensure a comprehensive financing approach for your legal career.

What to do if my bar exam loan is denied?

Being denied for a bar exam loan can be disheartening. However, remember that there are still various options for financial assistance. First, if you do get denied, you can review your credit report for any errors or negative marks that may have impacted your application. Correcting these can improve your chances of trying another application.

Otherwise, you can take these proactive steps to improve your credit and qualify for bar exam study loans:

Check Your Credit Report Regularly: Obtain a free copy of your credit report annually from AnnualCreditReport.com to review errors, inaccuracies, or fraudulent activity that could negatively impact your score.
Pay Your Bills on Time: Ensure all bills, including credit cards, loans, utilities, and rent, are paid timely. Consider paying early or setting up automatic payments or reminders to avoid missed payments.
Reduce Credit Card Balances: Aim to keep credit card balances below 30% of your available credit limit and pay off balances in full to avoid accruing interest and reduce overall debt.
Limit New Credit Applications: Avoid opening multiple new credit accounts. Instead, apply for new credit only when necessary and shop around for the best terms.
Address Outstanding Debts: Develop a plan to pay off outstanding debts. Use budget organizers to help you slowly pay debts responsibly.
Seek Professional Help if Needed: Consult a credit counselor or financial advisor for personalized advice on improving your credit score.

What are the alternatives to bar exam study loans?

While bar exam study loans provide a common financing option for law graduates preparing for the bar exam, several alternatives can help manage the costs associated with this crucial step in your legal career. Exploring these alternatives allows you to consider options that align with your financial situation and goals, offering flexibility and potentially reducing long-term debt.

Scholarships and Grants: Seek programs that endow money to law students based on academic achievements or other criteria. These are offered by law schools, professional organizations, or private foundations.
Credit Cards: In the ABA and Access Lex Institute study (2021), 22% of bar exam takers who did not apply for loans used credit cards to shoulder their bar prep expenses. Credit cards offer flexible repayment plans and usually have low-interest or introductory APRs.
Employer Reimbursement Programs: Inquire if your current or future employer offers financial assistance or reimbursement for bar exam preparation expenses as part of your employment benefits.
Savings Account: Utilize savings accumulated during law school or from employment to cover bar exam costs, including registration fees, study materials, and living expenses.
Work-Study Programs: Explore part-time work opportunities or externships during bar exam preparation to earn income and gain practical experience while offsetting expenses.
Temporary Employment: Consider short-term employment or freelance work to generate income specifically designated for bar exam study costs.

How to Budget for Bar Exam Expenses and Minimize Debt

Effective budgeting is a cornerstone of managing bar exam preparation costs, especially for those relying on loans. Start by creating a detailed expense plan covering essential categories such as exam registration fees, review course tuition, study materials, living expenses, and travel costs if required. Understanding your financial needs upfront ensures that you borrow an adequate amount without overextending yourself into unnecessary debt.

To minimize debt, consider supplementing your bar exam loan with other funding sources like personal savings or part-time work, if feasible. Crowdfunding platforms or financial contributions from family and friends can also provide meaningful support. Additionally, seek out bar prep scholarships or stipend programs offered by legal organizations or local bar associations, which are designed to offset financial burdens for aspiring attorneys.

If you’re also exploring financing options for unrelated fields of study, such as specialized programs in cosmetology, it’s worth comparing loan structures. For example, researching the best student loans for cosmetology school can serve as a useful benchmark for identifying loans with favorable repayment terms, interest rates, and flexibility.

Lastly, track your expenses throughout the preparation period to stay within your budget and avoid overspending. Using budgeting apps or spreadsheets can simplify this process, providing visibility into where your money is going and identifying potential areas for cost-cutting. These proactive steps can help you focus on exam readiness while maintaining financial stability.

What are the potential risks of taking a bar exam study loan?

While bar exam study loans can ease upfront financial pressure, borrowers should carefully evaluate long-term implications. Potential risks include exposure to variable interest rates that may increase monthly payments over time, hidden fees that could raise the overall cost, and the impact of additional debt on future creditworthiness. It is essential to scrutinize all terms and conditions, and consider alternative financing options if the risks appear to outweigh the benefits. For instance, assessing other competitive options such as Earnest loans may provide a clearer picture of what’s available in the market without compromising future financial stability.

Key Findings

The average law school debt is around $160,000.
The mean annual of lawyers in 2023 was $176,470, but the salary ranges from $69,760 to $239,200.
Applicants of color were reported to have the highest loan amounts, with 17.9% of Indigenous respondents borrowing more than $10,000.
Law school graduates earned approximately $100,000 after debt payments.
22% of bar takers who did not borrow loans used credit cards instead.

Other Things You Should Know About Bar Exam Study Loans

What is the maximum bar loan amount?

The maximum amount you can borrow with a bar exam study loan is around $10,000 to $20,000. However, this depends on the lender and your financial circumstances. The total cost of bar exam preparations generally doesn’t exceed that range, but if you find that this may not suffice, you should recalculate your potential expenses or consider a different loan, like a private personal loan, to cover higher costs.

When should I start considering bar exam study loans?

In most cases, you should start applying for a bar exam study loan in your last year of law school and up until six to 12 months after graduation. Keep in mind that many lenders require students to at least be enrolled in courses half-time (around six credit hours).

What is the minimum credit score for bar exam study loans?

The minimum credit score required for bar exam study loans can vary among lenders. Generally, a good credit score is preferred, typically starting around 650 or higher for competitive loan terms. However, some lenders may consider applicants with lower scores, especially if they have a strong co-signer or demonstrate other financial strengths such as steady income or minimal debt. It’s advisable to check with individual lenders to understand their specific credit score requirements.

References:

Cochran, T., Risman, K., Conneely, N., Keenan, C., Jackson, J., & Edwards, D. (2021). Student debt: The holistic impact on today’s young lawyer. American Bar Association Young Lawyers Division and the AccessLex Institute Center for Legal Education Excellence. https://www.americanbar.org/content/dam/aba/administrative/young_lawyers/2021-student-loan-survey.pdf
MyFICO. (n.d.). What is a credit score? Retrieved July 1, 2024, from https://www.myfico.com/credit-education/credit-scores
Hanson, M. (2023, June 15). Average law school debt. Education Data Initiative. https://educationdata.org/average-law-school-debt
U.S. Bureau of Labor Statistics. (2024, April 3). Occupational employment and wages, May 2023 - Lawyers. Occupational Employment and Wage Statistics. https://www.bls.gov/oes/current/oes231011.htm