Eligibility Guide & Requirements
Wondering whether you’re eligible for an Earnest loan? You’ve come to the right place. Each of our loan products has its own eligibility requirements, so choose a loan type to see what we look for. Please note that while certain criteria determine only your eligibility, other factors are considered strong predictors of approval.
Refinance Student Loans
Student Loan Refinancing
Parent PLUS Refinancing
Private Student Loans
Cosigned Student Loan
Independent Undergraduate Student Loan
Independent Graduate Student Loan
Parent Loan
Personal Loan
Earnest Private Student Loans are subject to credit approval.
Before applying for private student loans, it’s best to maximize your other sources of financial aid first. It’s recommended to use a 3-step approach to assembling the funds you need: 1) Look for funds you don’t have to pay back, like scholarships, grants, and work-study opportunities. 2) Next, fill out a FAFSA® form to apply for federal student loans options. 3) Finally, consider a private student loan to cover any difference between your total cost of attendance and the amount not covered in steps 1 and 2. For more information, visit the Department of Education website at studentaid.gov.
last updated: 10/22/2026