Private Student Loans
Student loans with zero fees and maximum support
Flexible loan terms, low rates, and help whenever you need it
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Fixed Interest Rates
A cosigner could lower your rate
Want a lower interest rate? Cosigned student loans tend to have lower interest rates because cosigners usually have a longer credit history. Plus, students are 5X more likely to be approved with a cosigner.
Cosigner
2.89%APR
( including 0.25%
discount )
Independent
4.59%APR
( including 0.25%
discount )
These are our lowest fixed interest starting rates and contain our 0.25% Auto Pay discount from a checking or savings account. Some borrowers may see higher rates based on their credit.
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The Best Rates
100% Rate Match Guarantee
We’ll match any competitor rate and give you a
once your rate match is finalized.
Call us today to get a rate match (888) 601-2801.
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Expert Help
Client Happiness is at the heart of Earnest
Questions or concerns? Our in-house Client Happiness team has the power to solve your problems and set you up for success. We can even assist you in submitting your application over the phone.
You can reach us via email and web chat; if you prefer to speak to a real person call between 6:00 am - 5:00 pm PT, Monday - Friday, at (888) 601-2801.
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Find the best loan for you
Undergrad
Low-rate loans for undergraduates.
Grad School
Low-rate loans for grad school students.
MBA
Low-rate loans for business school students.
Medical School
Low-rate loans for healthcare professionals.
Law School
Low-rate loans for law school students.
Cosigned
Low-rate loans for cosigners and parents.
Benefits
Financial responsibility meets college funding
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Flexible terms
4 repayment options and loan terms ranging from 5-15 years*. So your loan works for your life, not the other way around.
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Longer grace period
Get
after graduation to start payments vs. most lenders’ 6 months— more breathing room after graduation.
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Save on interest
, plus an extra 0.25% for returning borrowers. Pay less over the life of your loan.
Get Help
A helping hand for cosigners
Cosigning isn’t always easy, unless it’s with Earnest. Our cosigners have access to expert help, a convenient mobile application and secure end-to-end encryption to protect their financial information.
Easily start the application for a student and share with a single tap of a button
Mobile-friendly cosigner invitation if your student starts the application first
Email and SMS updates to keep you informed about where you are in the application process
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