Update: Congress recently passed a law preventing further extensions of the federal student loan payment pause. Student loan interest will resume starting on Sept. 1, 2023, and payments will be due starting in October.

Empowering You to Make a Difference.

Pursuing an advanced degree in law is a commendable goal. Our private law school loans offer competitive interest rates, flexible loan options, and an award-winning customer service team who’s ready to help you on your journey toward a brighter future.

Are you Eligible?

  • The student must be enrolled at least half-time in a law (Juris Doctorate) degree program.
  • Borrowers and cosigners must be U.S. citizens or permanent resident aliens without conditions and with proper evidence of eligibility.
  • Borrower (or cosigner) must have a minimum credit score of 680.

Borrowing Details

The minimum amount required per loan is $10,000. The maximum loan size will be the amount approved by the school for qualified education expenses for the requested academic period. Loans cannot fund more than one academic year of school-certified costs. Additional terms and conditions apply.

Get More Eligibility Details Here

Estimate Your Student Loan Payment

Enter the desired loan amount and months remaining until graduation, and we’ll calculate an estimated monthly payment based on your preferred terms. What are you waiting for? Pick the law school student loan that works best for you!

Affordable Rates & Flexible Terms for Student Loans*

We have no application fees, no loan origination fees and no penalty for paying off your loan early.

Loan Amounts From


Rates From


4.98% APR*


4.48% APR*

Terms From

5 – 15 years

* The interest rate and monthly payment for variable rate loans may increase after closing. Your actual interest rate may be different from the rates shown above and will be based on the term of your loan, your financial history, and other factors, including your cosigner’s (if any) financial history. For example, a 10 year loan with a fixed rate of 6% would have 120 payments of $11.00 per $1,000 borrowed. Education Loan Finance Parent Loans are limited to a maximum of the 10-year term.

Applying Is Simple

In minutes, you can compare interest rates and choose a flexible term, with repayment options ranging from 5, 7, 10, and even 15 years. We’ve designed our law school student loan process to be quick and straightforward. Because your future is our focus.

With ELFI, You Won’t Pay:

• Application fees
• Origination fees
• Prepayment penalties

Prequalification does not affect your credit score.



See personalized rates in minutes.



Explore options and select a plan with the best rates and terms to fit your needs.



Upload screenshots or smartphone photos of your documents. Then sign your paperwork electronically!


Do ELFI Private Student Loans have any fees?

There are no application, origination, or prepayment fees.

What discounts do you offer?

ELFI does not require you to do anything extra to get the best rate we can offer. All borrowers are required to make payments with an electronic or digital transfer. Therefore the auto pay discount is already reflected in your approved interest rate.

How long does the application process take? How quickly can I get my loan?

Our entire application process is online, so completing your application can be done in a matter of minutes. Once you have submitted your application, you’re assigned a Personal Loan Advisor who will be available to answer any questions.

Once we have your application and your documentation, we send the loan application information to the school for certification. Your school will verify your enrollment status, academic progress, and your financial aid package to confirm the amount of the loan. Once the school has certified the amount, you must complete your application by accepting your loan terms, and then we will send the funds directly to your school on your behalf.

Do I need to be a full-time student to obtain an ELFI Private Student Loan?

You do not need to be a full-time student, but you must be enrolled in a Master’s or Doctoral degree program and be attending classes at least half-time. Check out our full eligibility requirements to learn more.

What repayment options are available for student loans?


  • Loan term starts upon disbursement of funds to the school.
  • Make principal and interest payments while attending school.
  • Full payment of interest and principal will begin 30 to 60 days following disbursement.

Interest Only

  • Make interest-only payments on the loan while attending school.
  • Continue interest-only payments during the six month grace period.
  • Full payment of interest and principal will begin 30 to 60 days upon completion of the grace period.


  • Make $25 payments while attending school.
  • Continue $25 payments during the six month grace period.
  • Full payment of interest and principal will begin 30 to 60 days upon completion of the grace period.


  • While attending school, no payments are required on the loan.
  • No payments are required during the six month grace period.
  • Full payment of interest and principal will begin 30 to 60 days upon completion of the grace period.

What Our Customers Are Saying