From what I've gathered, our best bet is through Sallie Mae http://www.salliemae.com/get_student_loan/find_student_loan/grad/law_school_loans/bar_study/. They list 6 lenders to choose from, but for all the repayment term is 15 yrs (up to 25 and forbearance during hardship offered too) and begins 9 mos after grad. You have to submit an app before you can assess what the IR will be (based on your credit profile and/or cosigners). Other than that the only info I was able to obtain (over the phone as little is available online for some reason) is that Fifth 3rd, Sallie and Nellie Mae, and Student Loan Funding are the only lenders offering .25% IR reduction for auto debit. US Bank is also offering these loans, with 4-9% origination fees, prime (currently 3.25%) + 0%, over 15 yrs beginning 6 mos after grad, with 0.20% reduction for auto debit and forebearance available. They have set a ceiling on total outstanding student loans ($120,000) as well. That's all I've got as of now and would appreciate it if anyone else is aware of other options and/or has helpful advice.