Pay As You Learn Loans

Navigating university life often brings unexpected financial hurdles. At the University of Justice, we believe in empowering our students with immediate, accessible support when they need it most. Introducing the University of Justice Pay as you Learn Loan – a private, short-term financial solution designed to help you bridge those gaps, so you can focus on your studies.Our "Pay as you Learn" philosophy means providing quick access to funds with clear, manageable repayment terms, allowing you to stay on track without long-term burdens. Whether it's for books, emergency expenses, or unforeseen costs, this loan is your reliable financial backup.

Experience Financial Relief with Our Student Loan Packages

Flexible payday loans designed just for you.

What is the University of Justice Pay as you Learn Loan?

This isn't a long-term tuition loan, but rather a flexible, private loan crafted to address immediate financial needs for University of Justice students. We understand that sometimes, you need a quick cash infusion to keep moving forward. Our streamlined process ensures that applying for and receiving funds is as straightforward as possible, with structured repayment that works with your current income or student aid.

How to Apply for Your Pay as you Learn Loan: A Step-by-Step Guide

Applying for your University of Justice Pay as you Learn Loan is designed to be quick and convenient. Follow these simple steps:

A. Eligibility Requirements: Do You Qualify?

Before you begin, ensure you meet our basic criteria:

Age: You must be 18 years of age or older.
Proof of Income: We require verification of a regular income source. This can include student aid disbursements, government benefits, or earnings from a part-time job.
Active Bank Account: You must be the primary owner on an eligible All In checking account in good standing. This is crucial for both fund disbursement and repayment.
Valid Identification: A current, valid government-issued ID is required.
B. The Application Process: Simple & Secure

Our application is entirely online for your convenience:

Complete the Online Application Form: Fill out our easy-to-use digital form with your personal and financial details.
Upload Required Documents: Securely upload copies of your:
Valid ID (e.g., driver's license, passport).
Recent bank statements from your All In checking account.
Proof of income (e.g., student aid award letter, pay stubs, benefit statements).
Approval Timeframe: We strive for quick decisions. Once your application and documents are submitted, you can expect a prompt response regarding your loan approval.

Please note: A $20 application fee will be charged regardless of whether your loan is extended or accepted.

C. Receiving Your Funds: Fast Access When You Need It

Once approved, we understand time is of the essence:

Disbursement Speed: Funds are typically disbursed quickly, often on the same day or the next business day following approval.
Availability: While we aim for rapid access, funds availability may take up to 24 hours and could be delayed on weekends and federal holidays.
D. Repayment Mechanics: Stress-Free & Predictable

Managing your repayment is made simple:

Automatic Debit: For your convenience, repayment is typically handled through automatic debits from your eligible All In checking account on your scheduled due dates.
Online Payment: Alternatively, you may have the option to make online payments through your dedicated account portal.
Important Loan Details at a Glance
Maximum Loan Amount: Subject to approval based on your individual circumstances.
Annual Percentage Rate (APR): 28%
Loan Term: A fixed 6-month repayment period.
Estimated Monthly Payment Example: On a $500 loan with a 3-month term at 28% APR, your estimated monthly payment would be $175. This allows for manageable, predictable payments over a short period.
Eligibility Note: You must be the primary owner on an eligible All In checking account in good standing.
Overdraft Impact: Please be aware that your overdraft limit on your All In checking account will be impacted by any open loan.
Beyond the Bridge: Student Loan Repayment Plans & Transfers

While our University of Justice Pay as you Learn Loan is designed for short-term support, we also recognize that you might have other student loans. If you're looking to streamline or potentially save on your existing education debt, explore options to transfer your loans today to simplify your repayment plans and potentially secure more favorable terms. Contact us to discuss how we can help you manage your broader student loan portfolio.

Ready to take the next step?
Apply for your University of Justice Pay as you Learn Loan today and empower your academic journey with reliable financial support.

Smart Loan Solutions

Our mission is to support legal students and professionals with flexible loan plans that cater to their educational needs.

Loan Plans Available

Basic Elite Loans

Need-based loan where the borrows covers interest during specific periods (in-school, grace, deferment).
Interest Rate: Fixed at 2.5% for undergraduate borrowers.
This rate means 2.5% of the principal will accrue annually after the subsidized period.
APR: 2.56% accounting for a small origination fee (1.8%). Since interest is subsidized during key periods, your effective APR in the short term is lower.
Key Benefit: Interest doesn't accrue while you're enrolled at least half-time, saving you money and reducing your principal balance upon graduation.
Who it's for: Undergraduate students demonstrating financial need, making it a priority for those who qualify.

Advance Elite Loans

Non-need-based loan where the borrower is responsible for all accrued interest from the moment it's disbursed.
Interest Rate: Fixed at 2.9% for undergraduate borrowers and 3.05% for graduate/professional borrowers.
APR: Approximately 3.56% for undergraduates and 5.13% for graduate/professional borrowers, including a small origination fee (e.g., 1.8%). Because interest accrues immediately, the APR reflects the full cost from day one.
Key Difference: Interest starts building up right away, adding to your total loan amount if you don't pay it while in school.
Who it's for: All eligible students (undergraduate and graduate) who need additional funding, regardless of financial need.

Reimbursement Loans

Reimbursement loans requiring a grade check and often a employment verification, with highly variable terms.
Interest Rate: 4.0% depending on the grades, your credit score, and market rates. Often higher than federal loans.
APR: 4.50% with grades of A, B, C.
Loans are collected from the company that is issuing the reimbursement.
Key Considerations: Rates are typically higher than federal loans, fewer repayment protections (e.g., income-driven plans), and less flexibility for deferment/forbearance.
Who it's for: Students who have exhausted all federal loan options and still need funding. They should be considered a last resort due to their often less favorable terms.