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Law School Loans
Pay less for law school
Earnest Benefits
You’ll fight for your clients. We’ll fight for you.
We put our clients first. That’s why we offer a simple and secure application, in-house support, and transparency about how your term and payment selections impact payoff.
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
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
vs. the standard 6 months offered by most competitors.
Questions? Talk to a human with the knowledge and power to help at 1(888) 601-2801, 8 am-5 pm PST, Monday-Friday.
Low Fixed Rates
The case for low rates
If you’ve been briefed on rates, you know that a low interest rate can help you save thousands. We offer some of the lowest rates and encourage all law students to use a cosigner.
Cosigners tend to have a longer credit history compared to students and have access to lower interest rates.
Cosigner
3.69%APR
Independent
4.49%APR
These are our lowest fixed interest starting rates and contain our .25%
from a checking or savings account. Some borrowers may see higher rates based on their credit.
Help Is Here
Talk to the experts if you have questions
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 5 am-5 pm PST, Monday-Friday, at (888) 601-2801.
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Are you a good candidate for a private law school loan?
Before applying for a private student loan, make sure you check off the following first:
Factored in contributions from my 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 FAQs on law school loans
Have more questions? Visit the Help Center.