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You can finance the entire cost of your education through loans, if needed. Student Financial Services provides information and resources to help you through the process of securing loans.

Students enrolling in the Class of 2021 can apply for education loans for the 2018-19 academic year beginning in early June of the summer preceding enrollment. At that time we email enrolling students a link to the updated education loans section of our website, where they can learn more about loan programs, compare loan options, and follow links to the lenders websites.

Domestic students and eligible non-citizens can receive Federal Stafford loans to cover the first $20,500 of education expenses. These loans offer the best terms generally available. Harvard Law School also offers smaller amounts of Harvard Law School Loans and Perkins Loans, depending on availability, to students eligible for need-based HLS Grant assistance. International students who are not eligible for federal student loans can receive Harvard Law School Loans in lieu of the $20,500 Federal Stafford funding.

The remaining cost of education, up to the limit of the student budget, can be met through a “supplemental” loan, such as the Federal GradPLUS loan or a supplemental education loan from a private lender. Students can use a supplemental education loan to “replace” an assessed parent resource in order to finance a law school education on their own without parental assistance. Information on the available supplemental loan programs for the coming academic year is made available on our website in June prior to the start of the academic year. Supplemental education loans typically permit deferment of repayment until after graduation, but do not offer terms that are as attractive as the Federal Stafford loans. HLS students should borrow a supplemental education loan only after making full use of any Federal Stafford loans for which they are eligible, and any Harvard Law School loans or Perkins Loans they may be offered as part of a financial aid package.

After you choose a lender and apply for a loan, Student Financial Services has to certify each of your loans in compliance with lender requirements, verifying your anticipated enrollment status and the total amount of your student budget. This process ensures that your total financial aid does not exceed the budget limit.

For more information on loans, please review the student loans section of our website for more information.