Admissions

Bar Study Loans

Bar Study Loans are private, credit-based student loans designed to assist graduating students and recent graduates with the cost of preparing for and taking the bar exam.  Generally, students may be eligible to borrow up to $15,000; the maximum is set by the lender based on credit worthiness and total indebtedness.  The interest rate is variable and changes quarterly, with either no cap or a very high cap.  Only borrow what you absolutely need.
Keep in mind that Bar Study Loans cannot be consolidated with your federal loans.  Also, Bar Study loans do not offer the same repayment and forbearance options as federal loans.  It is ineligible for any of the Federal Loan repayment options currently available, such as Income-Based Repayment, and cannot be included in the Federal Public Service Loan Forgiveness Program.  It is, therefore, recommended that you exhaust your maximum federal loan eligibility before borrowing a private Bar Study Loan.
Students should consult with the Financial Aid Office before applying for a private Bar Study loan.
 

Private Alternative Loans

Alternative or Private Loans are designed to supplement federal, state, and institutional financial aid. Borrowers must be creditworthy and may require a co-signer. The loan programs may vary widely and should only be considered after your eligibility for all other types of aid are exhausted.
We believe the information presented on this site is unbiased, thorough, and clearly presented but you may choose any participating program or lender you wish. Please note that neither Touro University nor any of its employees have received benefits of any kind in exchange for providing this list of lenders on the website.

ELM Select is a tool that may aid you in selecting a private educational loan.

The ELM Select website allows you to compare private loan terms and rates side-by-side. The site will give you an overview of loan options before requesting an application and credit check. The application and credit check will occur once you select the loan of your choice.

Borrowers have the right and ability to select the education loan provider of their choice and are not required to use any of the suggested lenders. You can find additional private loan information and suggestions from US News and World Report.

Non-matriculated and international students should use ELM Select to apply for private loans.

 

Collective Bargaining with Juno

Juno organizes large groups of students to negotiate better loan terms and lower interest rates with lenders. Borrowers complete a brief questionnaire with no impact on their credit score. More students signing up generates more negotiation power.

The winning lender (or lenders) agree to provide Juno members with lower cost options, including exclusive discounts or cash back on standard rates. These terms are often significantly more competitive than what students could secure on their own and there is no obligation to accept the loan offered. The listing through Juno represents lenders who have negotiated better terms for their members and is not inclusive of all private loan lenders available to students.

Juno also provides free 1:1 guidance to thousands of borrowers each year, helping them compare options with confidence.

Visit the Juno website or schedule time with a Juno advisor.

Touro University does not sponsor Juno, and students have no obligation to utilize their services. Touro is providing access to these services strictly as an independent resource for students to evaluate all options in their ability to obtain loans to fund their education. The links provided are solely provided as a courtesy; Touro University does not endorse any lender included and cannot recommend specific lenders. Borrowers may select the lender of their choice.

Request Information