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 \n·Repayment terms:how long will you have to pay the loan back?Is there any type of postenrollment grace period offered?Are there other deferment or forbearance options?  \n## When should I apply for a Bar Loan?\n\nYou should apply for the Bar Loan anytime during your final semester.Because the loan paymentcomes directly to you,you will be able to set the beginning and end date of the loan,as well asthe disbursement dates.  \n## How do l begin the Bar Loan application process?\n\nThe best way to begin the process is to compare the various Bar Loan products from the differentlenders.Visit the websites listed below and use the phone contact information to talk withrepresentatives.In essence,you are\"shopping\"at this point to determine which loan productwill benefit your financial situation.Be careful not to submit applications to multiple lendersgiven that each submission may impact your credit score.Some key points to compare are:determination of approval (i.e.credit standard),maximum loan amount,loan period anddisbursement dates,interest rates:fixed vs.variable,fees,available interest rate reductions andrepayment terms(including grace period,deferment and forbearance availability).Some lendersset limits on eligibility based on the amount of the student's existing loan debt.If you anticipatethis being a problem,be sure to inquire about the limits set by the different lenders.  \n## Will I need a co-signer?\n\nIn some cases(if your credit is at question or if you have not established enough of a credithistory)you will be asked to add a co-signer to your application to gain approval.The lender mayalso suggest the addition of a credit worthy co-signer to lower your interest rate as well.Inaddition,international students may be required to apply with a U.S.citizen co-signer in order toreceive approval.  \n# Access Lex One-on-One Financial Coaching\n\nTo empower students to develop a sound financial strategy we have partnered with Access Lex,an online financial education program created specifically for law students.Visit the MAXAccess Lex resource at https://www.accesslex.org/maxonline to access free one-on-onefinancial coaching with an Accredited Financial Counselor to discuss bar loans or any otherfinancial questions you may have.  \n# Private Lenders Currently Providing Bar Loans\n\nYou may use the below tool at ELMSelect to view a list of lenders who hav","cbCaiqgobuBrBwXW","https://ap.wps.com/l/cbCaiqgobuBrBwXW","pdf",1676881,"English","# Frequently Asked Questions\n## What is a Bar Loan?\n## Who offers Bar Loans?\n## How much money can I borrow?\n## What is the approval process?\n## What is the interest rate?\n## What other factors should I review in evaluating Bar Loan options?\n## When should I apply for a Bar Loan?\n## How do l begin the Bar Loan application process?\n## Will I need a co-signer?\n# Access Lex One-on-One Financial Coaching\n# Private Lenders Currently Providing Bar Loans\n# Additional Resources","[{\"question\":\"What does a Bar Loan help pay for?\",\"answer\":\"A Bar Loan provides funding for Bar preparation and Bar exam fees, plus support for living costs during the post-graduate Bar study period.\"},{\"question\":\"Are Bar Loans available through federal programs?\",\"answer\":\"Bar Loans are only offered by private lenders; there are no federal loans available.\"},{\"question\":\"How is approval decided for a private Bar Loan?\",\"answer\":\"Approval is credit-based and depends on each lender’s criteria. Reviewing your credit beforehand can help address discrepancies before applying.\"}]","Bar Loan Resources for Graduating Miami Law Students - Frequently Asked Questions | PDF",1789961090]