Competitive law school loan interest rates

Variable Rates

4.04% - 13.30%*

  • Your payment may change every month.
  • Your interest rate varies and changes with market conditions.
Fixed Rates

5.12% - 14.75%*

  • Make the same payment every month.
  • Your interest rate is set the day you apply and doesn’t change.

*Rates displayed above are effective as of 10/01/2022 and reflect an Automatic Payment Discount of 0.25% on credit-based loans when you enroll in automatic payments. For more information, see repayment examples or review the Ascent Student Loans Terms and Conditions.
**Lowest APRs require interest-only payments, the shortest loan term, and a cosigner, and are only available to our most creditworthy applicants and cosigners with the highest average credit scores.

Customize your dental school loan repayment options

Flexible Repayment Plans

  • $25 minimum* if you want to get started on your payments while you’re still in school.
  • In school interest-only repayment if you can afford larger payments while in school.

Extended In-School Period

  • We offer deferment of law school loans up to 36 months while you’re enrolled at least half time.
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Postpone Payments

  • The grace period allows you to postpone payments up to 9 months after graduation, giving you time to focus on what matters.

*Want to see what your repayment plan and monthly payments could look like? Check out our loan repayment examples to help you make your decision.

5 Benefits of Ascent graduate student loans for law students

  • No application, origination, or disbursement fees
  • No penalties for early loan payoff
  • 1% cashback + discount for automatic payments
  • Refer a friend and earn $525 for each friend who takes a loan
  • Defer payments up to 9 months after graduation
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What are others saying about Ascent?

How law school student loans work

You’ve already put a lot of work into preparing for law school. Getting the financing you need shouldn’t stop you now. We’ve streamlined our application process so you can get your funds without getting a headache.

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    Step 1:

    Submit your pre-qualification

    We ask you to provide important information such as your name, address, date of birth, the school you’re applying to, and employment information. If you’re applying with a cosigner, they’ll also enter their information.

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    Step 2:

    Select your repayment plan

    Once your completed loan application is approved, you’ll be able to view your repayment options and select the loan terms that work best for you.

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    Step 3:

    Complete your Ascent Portal tasks

    After you choose your loan terms and accept your disclosures, your Ascent Portal will be populated with tasks to complete. These tasks include a financial wellness quiz and providing us with any additional information we need to prepare your loan.

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    Step 4:

    We pay your school

    When your portal tasks are complete, we send your loan for school certification. Once certified, we’ll disburse your loan directly to your school.

Ready to start your loan application?

See your rates today without impacting your credit score.

Apply Now

Additional tips to pay for law school

Federal financial aid for law students

It’s common for law students to apply for federal student aid through the FAFSA as a first step to financing a law school education. If you need additional funds to cover books, transportation, groceries, and other life expenses, you can apply for a private loan as an additional financial source.

Scholarships for law students

You can also apply for law school scholarships through your school or scholarships available through the American Bar Association (ABA) and the NAACP Legal Defense and Educational Fund. Additional scholarships can be found on the Law School Admission Council (LSAC) website.

Ascent also offers scholarship opportunities to students in undergraduate, graduate, or bootcamp study. We award more than $80,000 in scholarship funds each year, so be sure to check in on our current scholarships.

Financial wellness tips for law school

To help you with your student loan for law school, we incorporate financial wellness into our application process. This gives you exclusive access to tips and resources to prepare you for financial success in school and after graduation.

Frequently asked questions about law school student loans

Can I get federal loans for law school?
Yes, it’s often beneficial to fill out the FAFSA and see which federal loan options you qualify for before looking into private loans for law school. The options available to you will likely be Federal Direct Unsubsidized Loans and Grad PLUS Loans.

Then, you can cover any additional costs, including housing, groceries, books, supplies, and more with a private student loan. Ascent’s private student loans for law school can be used in conjunction with federal loans to ease financial stress during law school.

How much can I take out in student loans for law school?
The maximum loan amount for Ascent loans is limited to the total cost of attendance for one full academic year, minus any financial aid, as certified by your school. Keep in mind that your school may certify your loan for less than the amount that you requested.

  • Minimum:  $2,001
  • Maximum (aggregate): $200,000 for Undergraduate Loans;
    $400,000 for Graduate Loans
  • Maximum for the academic year:
  • $400,000 for Graduate Credit-Based Loans

Is taking out loans for law school worth it?
Taking out student loans for law school can be worth it, but it depends on your situation. Law school can be very expensive, and it’s very difficult to attend law school without taking out loans. If your heart is set on studying law, it’s highly likely that you’ll need a law school loan.

Our student loans are designed to help make your goals achievable by providing graduate loans that are customizable to your needs, including a variety of repayment options and methods to reduce your total debt after graduation.

Ascent also gives more than $80,000 in scholarships for college, graduate, and bootcamp students. You can seek out scholarships or grants that are geared towards law students. There’s also Public Service Loan Forgiveness (PSLF) to forgive your loans when you work for certain employers.

In the end, only you can decide if law school is worth it. But we’re here to help mitigate the costs of your education if you do decide to attend law school.

Do law school loans cover living expenses?
Law school loans can cover the cost of living expenses. A school’s cost of attendance typically includes the amount of tuition plus an estimate of living expenses, books, food, transportation, and more.

If you have federal loans and find that you won’t have enough for living expenses, private law school loans can be used to help fill in the gaps. While the idea of taking out even more loans is often intimidating, law school is usually a full-time endeavor with little extra time for work on the side.

Taking out loans may help keep you focused by easing immediate financial stress and allowing you to properly care for yourself physically.

How do law school student loans work?
Law school loans with Ascent work in 4 easy steps. After you’ve been accepted to your law school, you can begin the application for your loan. Once you’ve pre-qualified for your loan, you can accept the loan and customize your repayment options. We’ll keep you updated on additional tasks and documents that need to be uploaded.

Finally, your law school will certify the amount you’re approved for and your funds will be sent directly to your school – any money that doesn’t go towards your school’s necessary funds will be sent to you to cover additional expenses.

Can international students get loans for law school?
Yes, Ascent’s graduate loans are available for international students attending U.S.-based institutions. To apply for our student loan for law school as an international resident, you’ll need to apply with a creditworthy cosigner. Your cosigner must be a resident of the United States.

DACA students may apply solo with proper documentation or with a qualified cosigner.

Don’t see your question? Check our FAQ page.

Contact us for help with law school student loans

If you’re considering one of our loans for law school, we’re here to help at every step of your journey. Don’t hesitate to reach out to us with questions or concerns about your law school loan application.

Need help? Fill out our contact form.

We’re looking forward to seeing how we can help you reach your goals.

Pursuing a different educational route?

Ascent provides private student loans for various graduate student routes. If your heart isn’t set on dentistry, we can still help you out! Check out our other graduate loan options.

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