If you plan to apply for this loan type you MUST order a copy of your credit report immediately. Mistakes are frequently made by credit bureaus and can take months to correct. In the meantime, you will be without that money. Considerable time and effort should be invested in shopping for the private lender that offers you the best terms. Please check the companies' web sites for interest rate, guarantee fees, repayment options, loan fees etc.
Most lenders now have telephone and on-line applications.
Bar Study Loans can be borrowed during your last year of law school, and are only necessary if you have borrowed the cost of attendance and want additional funds to allow you to study full time for the bar exam.