Bar Study Loan Lender Comparison Chart

Standard Information:

For the costs associated with taking the bar exam: bar prep courses, bar exam fees and living expenses
Eligibility based on creditworthiness, as determined by the lender
Students should exhaust their academic year budget before applying for a bar loan
Flexible repayment and deferment options available
Apply directly with the lender; student selects disbursement dates and funds are sent directly to the student.

Lender	Fees, Interest Rates, Special Benefits/Incentives
Sallie Mae Bar Study Loan	Minimum $1000 - Maximum $15,000 annual loan limit No aggregate debt limit Zero to 5% disbursement fee with no repayment fee Rates are variable and range from LIBOR + 5.00% (5.24% APR) to LIBOR + 13.00% (14.01% APR) Cosigner release option available after successful completion of education (The release of a cosigner is at the sole discretion of Sallie Mae. The borrower must have a satisfactory history of making principal and interest payments and meet underwriting guidelines when the request for cosigner release is processed. The borrower's account must remain current until the request for release is processed and the borrower must be a U.S. citizen or permanent resident at the time the cosigner release is processed.) Nine month grace period Repayment period of 15 years Credit check is required School certification is not required Min/Max of 2 disbursements allowed Must be enrolled at least half time in the final year of study or have graduated within the last 12 months Must be sitting for the bar exam no more than 12 months after graduation 0.25% interest rate reduction for auto-debit payments No minimum income requirement Combined billing available

Citibank CitiAssist Bar Exam Loan	Minimum $1000 - Maximum $15,000 annual loan limit Aggregate Debt Limit from all student loans: $180,000 Zero origination fee Variable APR, based on credit (please see site for current rates) Nine month grace period Repayment period: up to 20 years Credit check is required School certification is required Min/Max of 1 disbursement allowed Can apply beginning in third year of law school or up to 12 months after graduation 0.25% interest rate reduction for auto debit payments Co-signer release after 24 on-time payments

Wells Fargo Bar Exam Loan	Maximum $12,000 Aggregate Loan Limit (including all other educational debt): $180,000 Variable APR, based on credit (please see site for current rates) Six month grace period after graduation Credit check is required Must be a current Wells Fargo or Wachovia customer Must be enrolled in final year of law program at an eligible law school or have graduated within 30 days from an eligible law school 0.25% interest rate reduction for auto debit payments 0.25% interest rate reduction at repayment upon verification of graduation with the Wells Fargo Student Graduation Benefit Program