A legal education is an investment in your future, and Campbell Law School provides an extensive financial aid program for students in need. Every effort is made to help students meet the cost of tuition and fees, and to assist with living expenses. Student loans are available to law students who meet federal-eligibility requirements.
Federal Student Loan Program
The Federal Direct Loan Program is the primary source of financial assistance for Campbell Law students. Under the Direct Loan Program, loans are made by the U.S. Department of Education.
On July 4, 2025, the One Big Beautiful Bill Act was signed into law, resulting in changes to federal student aid programs. Most notably, the elimination of the Grad PLUS loan program and the establishment of annual and lifetime borrowing limits for students.
Federal Graduate PLUS Loans
The Federal Graduate PLUS Program will be eliminated for new borrowers, effective July 1, 2026.
Federal Unsubsidized Direct Loans
Federal Direct Unsubsidized Loans are not need-based (which means that income is not taken into account to determine eligibility) and will be offered to any U.S. citizen or eligible non-citizen who completes a Free Application for Federal Student Aid (FAFSA) and has no prior federal student loan default or other disqualifying circumstance. Interest is charged on the loan, beginning the day that the loan is disbursed.
Beginning July 1, 2026, new students may borrow an annual maximum of $50,000 in Unsubsidized Direct Loans. The interest rate for Unsubsidized Loans during the 2026-2027 academic year will be released in May 2026. Currently, the interest rate is 7.94%. Unsubsidized Loans also have a 1.057% loan origination fee that is deducted prior to the loan being disbursed. Repayment on the loans generally begins six months after graduation, or six months after the borrower ceases to be enrolled at least half-time.
Private Loans
Students requiring more than $50,000 per year to cover their educational expenses may need to apply for a private student loans.
Students who are not U.S. citizens or permanent residents are not eligible to borrow under the Direct Loan program, but may be eligible for private student loans.
Students may apply for loans issued through private-sector banks and lending institutions at varying rates and payment schedules.
FASTChoice is a tool which allows students and parents the ability to search, compare, and apply for alternative loans with lenders students have historically used at Campbell University.
Applicants should visit the website of each potential lender to fully evaluate the benefits and incentives they offer before making a final choice for your private loan.
Questions to ask when comparing loans:
- Does the loan have a fixed or variable interest rate?
- Will the interest rate change over time?
- Are there any fees?
- What will the minimum monthly payment be?
- Are you required to make payments while attending school?
- What is the total amount you will pay in interest over the life of the loan?
- Does the loan have a grace period (number of months you do not have to make payments) after you graduate?
- What if I have trouble repaying the loan?
You may view lenders through FASTChoice at this link.
NOTE: Only choose one lender to apply with as multiple applications can negatively affect your credit.
How to Apply
View “How to apply for financial assistance” to learn about the financial aid application process, financial aid refunds, and authorization to transfer funds.
Financial Resources
Visit AccessLex for more information about financial resources to help you pay for law school.