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 2023 can apply for education loans for the 2020-21 academic year beginning in 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 available loan programs, compare loan options, and follow links to the lenders websites.
Domestic students and eligible non-citizens can choose from among the options on the Law School’s Preferred Lender List for Domestic Students, and international students who are not eligible for federal student loans can choose from among the options on the Preferred Lender List for International Students.
You can borrow from any student lender of your choice; you are not limited to the options on the HLS preferred lender lists. However, each year we identify private lenders that will offer preferential interest rates to HLS students. Compared with standard federal student loan rates, the rates available on our preferred lender list can reduce the total repayment cost for the typical student by many thousands of dollars. HLS also offers small amounts of Harvard Law School Loan funding, depending on availability, to students eligible for need-based HLS Grant assistance.
After you choose a lender and apply for a loan, Student Financial Services provides school certification of your anticipated enrollment status, cost of attendance, and other financial aid in compliance with lender requirements. This process ensures that your total financial aid does not exceed the cost of attendance (or “student budget”) limit.
For more information on loans, please review the student loans section of our website for more information.