Financial assistance to cover costs associated with your bar exam, or the cost of transitioning to your medical or dental residency.

We know that the cost of the bar exam, or the cost of obtaining and transitioning to a residency program, can be extensive. We are pleased to help cover those costs with a competitive loan option and stress-free application process.

The program is designed to assist students in their final year or recent graduates of Harvard Law School, Harvard Medical School, and Harvard School of Dental Medicine. U.S. Citizenship is not required, anyone with an SSN, U.S. address, and proof of income is eligible.

Apply Now



Additional Details


Rate Options

Fixed Option3

  • Fixed rate for full 5-year term
  • Rates start at 4.50%

Variable Option3

  • As low as Prime + 0.50%



  • Funds deposited into borrower’s HUECU checking account for immediate use.
  • Funds can be easily accessed using debit card, ATM, online banking, or checks.



  • Length of repayment: 120 months or less
  • Minimum monthly payment: $50
  • First payment due 6 months from graduation



1. HUECU credit requirements include 2 years minimum credit history with tradelines other than student loans and on time payment record.
2. Membership in the Credit Union requires a $5 minimum deposit in a Share Savings Account.
3. Annual Percentage Rate (APR). Rate adjusted quarterly according to Prime Lending Rate as published in the Wall Street Journal. Subject to credit approval.

Current Prime Rate is 5.25%

Cookie Settings

When you visit any web site, it may store or retrieve information on your browser, mostly in the form of cookies. Control your personal Cookie Services here.

These cookies allow us to count visits and traffic sources, so we can measure and improve the performance of our site.

  • __stid
  • pxcelBcnLcy
  • pxcelPage_c010

We track anonymized user information to improve our website.
  • __hssc
  • __hssrc
  • __hstc
  • hubspotutk

We track anonymized user information to improve our website.
  • _ga
  • _gid
  • _gat

We use Google Tag Manager to monitor our traffic and to help us AB test new features.

Decline all Services
Accept all Services

Verify Your Contact Info

You don’t want to miss anything important and we want to keep in touch! Click below to make sure we have your valid contact info.