Independent private student loans for DACA

We support DACA students

We’re there for DACA students and families throughout their college journey. We can guide you through the process and help you pay for college without a cosigner.

Let’s get started

Check your eligibility. No credit impact.

I am a
I (my student) is earning this degree
I live in
Earnest Benefits
How It Works
Reviews
FAQs

Earnest Benefits

We make student loans simple

Our clear application helps undergrads make responsible choices, that’s why 78% choose to make payments while in school – potentially saving thousands of dollars over the life of their loan. With Earnest, you also get:

We simplify the process with step-by-step instructions, clear terms, and end-to-end data protection.

Call, webchat, or email us. We’ll guide you through the process. Get in touch now.

Repayment plans tailored to you and no hidden fees, so you know exactly what you’re signing up for.

We’ve earned 4.6/5 stars on Trustpilot and we’re on the preferred lender list for over 1,300 schools.

Questions? Talk to a human with the knowledge and power to help at 1(888) 601-2801, 6 am-5 pm PT, Monday-Friday.

student doing homework

Rate Match

Get some of the lowest possible rates

Take advantage of some of the lowest rates on the market. We back our rates with a Rate Match Guarantee. We’ll match competitors’ rates and give you a

once it’s final.

Reach Out

Your happiness comes first

The Client Happiness team is at the heart of Earnest. They’re empowered to give you the help you need. They can even help you submit your application over the phone.

You can reach out via email and web chat; if you prefer to speak to a person, call between 6:00 am - 5:00 pm PT, Monday - Friday, at (888) 601-2801.

customer support illustration

Apply in just a few minutes

step 1

Start with eligibility check

Check your eligibility in just minutes with no credit impact.

step 2

Apply in 15 minutes

Apply online in 15 minutes with our mobile-friendly, secure application.

step 3

Build your custom plan

Once approved, pick the repayment plan that works for you.

Loading Trustpilot Widget...

Financial aid comes first

Before you apply for a private student loan, explore all of your financial aid options so you can get the most free money for college as possible.

Get the FAQs on independent private student loans

Have more questions? Visit the Help Center.

The Earnest Blog

Learn more about the benefits of college and how to pay for it

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: 09/15/2026

© Earnest LLC. All rights reserved.