Ayuda financiera para cubrir los costes asociados a su examen de abogacía.
Entendemos que los costes asociados a la preparación y realización del examen del colegio de abogados pueden ser muy elevados. Afortunadamente, la cooperativa de crédito puede proporcionarle el apoyo financiero que necesita.
El programa está diseñado para ayudar a los estudiantes en su último año de estudio, o recién graduados de la Escuela de Derecho de Harvard. No se requiere la ciudadanía estadounidense. Siempre que tenga un número de la Seguridad Social, una dirección en los Estados Unidos y una prueba de ingresos, puede solicitarlo.
Detalles del préstamo
- Importe mínimo del préstamo: $1,000.
- Importe máximo del préstamo: $15,000.
- Elección entre un préstamo a tipo fijo a 5 o 10 años.1
- Reducción del 0,25% del tipo de interés para los pagos recurrentes automáticos2, aplicada después del primer pago compensado.
- Reducción del 0,25% del tipo de interés para las relaciones que reúnan los requisitos3, aplicada después del desembolso del préstamo. Póngase en contacto con nosotros para recibir el beneficio.
- Por favor, revise la divulgación completa del programa para obtener más información sobre las tasas y el costo del préstamo.
- Tipo fijo para un plazo completo de 5 o 10 años.1
- Rates1 start at 7.00 %.
- As low as 6.97% APR.1
- Funds are deposited into the borrower’s Harvard FCU account for immediate use.
- Se puede acceder fácilmente a los fondos mediante una tarjeta de débito, un cajero automático, banca en línea o cheques.
- Duración del reembolso: 120 meses o menos.
- Pago mínimo mensual: 50 dólares.
- Based upon when the loan is borrowed, a grace period of up to 6 months is available from the date of graduation.
Los solicitantes deben cumplir los siguientes criterios:
- Graduado de la Facultad de Derecho de Harvard en los últimos 6 meses O en su último año de estudios, asistiendo al menos a medio tiempo y logrando un progreso académico satisfactorio de acuerdo con los estándares de su escuela.
- No se requiere la ciudadanía estadounidense. Cualquiera que tenga un SSN válido en Estados Unidos y una dirección en Estados Unidos es elegible.
- Has satisfied the Harvard FCU credit requirements.*
- Applicants must join Harvard FCU as part of the application process. Please begin the membership process here.5
Terms and Conditions Apply. In order to qualify, a borrower must have a valid SSN, U.S. address, and meet Harvard FCU’s underwriting requirements. Applicant must have a responsible financial history, and meet other conditions.
1. Interest Rate & APR. Your interest rate is determined by the term option you select, and your creditworthiness. Not all borrowers receive the lowest rate. Interest is charged daily throughout the life of the loan, beginning the first date of disbursement, during school, through any grace or deferment period, and ending when the loan is paid in full. The APR assumes you are enrolled for 4 months, and are eligible for a 6 month grace period before repayment begins. You are not required to make payment on your loan while enrolled in school and during your grace period, however you can make principal and interest payments at any time. Harvard FCU does not accept principal only payments. All payment are first applied to fees, interest, and then principal. Calculations are estimates only. Actual rates and payment information may vary based upon applicable terms. Rates and terms are subject to change without notice. Such changes will only apply to applications taken after the effective date of the change.
Loan Example: Repayment examples assume 4 months in school, and a 6-month grace period. Borrowing $10,000 at 7.00% and 5 year term, results in 6.97% APR, monthly payment of $209.59, finance charge of $2,575.40 and total repayment of $12,575.40. Due to the in-school and grace period, the APR is lower than the interest rate.
2. AUTO-PAY. In order to be eligible for the 0.25% interest rate reduction for automatic payments, you must be signed up for automatic payments through University Account Service (UAS). Payment must be set-up from a U.S. bank account. If at any-time automatic payments are stopped, the rate discount will not be applied. The discount will not reduce the monthly payment amount but will help you pay down the loan faster. Auto-pay is not required to obtain a loan. Harvard FCU reserves the right to change rate discounts at any time.
3. RELATIONSHIP DISCOUNT. A qualifying relationship discount is considered an active checking account for a minimum of 12 months, or any non-education Harvard FCU loan product. Discount to be applied after the loan is disbursed, if applicable. Member must contact the credit union to receive the discount. The discount will not reduce the monthly payment amount but will help you pay down the loan faster. Harvard FCU reserves the right to modify or discontinue relationship benefits at its discretion without notice.
4. PRIME RATE. All current Harvard FCU products offer a fixed interest rate. Variable and hybrid rate education loans reprice quarterly in January, April, July, and October based on the prime rate published on the 1st of the preceding month. The prime rate of the last repricing was 8.50 %, adjusted on October 1, 2023.
5. MEMBRESÍA. La membresía en la Cooperativa de Crédito requiere un depósito mínimo de $5 en una Cuenta de Ahorros de Acciones. Los prestatarios de préstamos educativos deben ser el titular principal de la cuenta para cumplir con el requisito de membresía.