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Although some lenders allow the borrower to take out several thousand dollars, going to law school is expensive enough without incurring more debt than necessary. Remember that the amount you can borrow is based on your annual earnings. If you're employed by a big firm at the time of your graduation, you may be able to borrow more. Additionally, you should avoid cosigning private loans. Federal loans offer better rates and more protection than all other options for private student loans, which means that someone struggling to pay on them won't be able to have their federal debts wiped out through bankruptcy courts, even if the creditor requests it. Anyone who signs the loans on behalf of cosigners are entirely responsible for repayment, unless the creditor can prove that they would have caused hardship to them or their dependents. .