Graduate Private Student Loans

A loan that works as hard as you do

Take your education to the next level with a private student loan that offers some of the most flexible repayment options and never charges fees.

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Check your eligibility. No credit impact.

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Benefits

Everything you need from a private student loan

Focus on your grad degree, not how you’ll afford it. With Earnest, you can quickly apply and get an answer – all on your phone, laptop, or tablet.

Quick, mobile application protected by end-to-end encryption.

No late payment fees, no origination fees, no disbursement fees.

Skip a payment once per year without penalities

Save 0.25% on interest by enrolling in

Auto Pay

and never miss a payment.

If you need a cosigner, invite them with a tap or click.

Choose from 4 repayment options and ultra-flexible terms to get your ideal monthly payment.

Get a

9-month grace period

vs. the 6-month you get with most competitors

Questions? Talk to a human with the knowledge and power to help at (888) 601-2801, 8:00 am - 5:00 pm PST, Monday - Friday.

Fixed Rates

Low rates for grad school

Take advantage of some of the lowest starting interest rates, and choose the one that works for you.

Applying with a cosigner could give you a lower rate and help you save over the life of your loan. Most cosigners tend to have a longer credit history and get lower rates when compared to most students.

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Cosigner

Starting at

3.69%APR

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Independent

Starting at

4.49%APR

These are our lowest fixed interest starting rates and contain our .25% Auto Pay discount from a checking or savings account. Some borrowers may see higher rates based on their credit.

Rate Match Guarantee

Love your rate with Rate Match

To ensure you get a great rate, we offer Rate Match Guarantee. We’ll match any competitor’s rate and give you a

$100 Amazon gift card

once it’s final.

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A hassle-free application

step 1

Mobile application

You can apply online and upload all documents using your phone.

step 2

24 hour decision

Most clients hear back in as little as 24 hours.

step 3

Sign and send

Once you sign, we’ll send the money to your school to verify the loan.

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Are you a good candidate for a private student loan?

Before applying for a private student loan, make sure you do the following first:

Factored in contributions from family, such as 529 plans (savings accounts designated to help pay for higher education).

Applied for grants, scholarships, and work-study opportunities (free money).

Filled out the FAFSA® to maximize my Federal financial aid (money that comes with federal protections).

Get the FAQ’s on graduate private student loans

Have more questions? Visit the Help Center.

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