Private Business School Loans
Low rates. $0 fees¹.
A student loan for MBAs that makes actual business sense, with rates as low as 1.99% APR*
*Including 0.50% combined
discounts. Our lowest rates are only available for the most credit qualified existing cosigned loan borrowers who receive the 0.25% Loyalty discount and requires selection of our shortest term offered, full principal and interest payment while in school, and enrollment in our 0.25% Auto Pay discount.
.
)
Ranked #1 Private Student
Loan Lender of 2026
420,000+
customers trust
Earnest
1,300+
schools have Earnest as
a preferred lender
Earnest Benefits
What matters when you're choosing an MBA loan
Low rates. Earnest offers competitive fixed and variable rates. Enroll in
for a 0.25% discount — and returning customers can land a 0.25%
, too. (Found a lower rate? We'll match it.)
No fees. With Earnest, the number you see is the number you get:
.
Full coverage. From tuition and housing, to books, meals, travel, and tech — Earnest Private Student Loans can cover up to 100% of your school-certified costs. No funding gap fears, here.
Flexibility. Most lenders send you a bill six months after graduation. Earnest gives you
: more time to job hunt, start-up, or save up before making payments.
)
)
Today's Fixed Rates
Low rates, no hidden fees
Apply on your own, or add a cosigner to help improve your approval odds and potentially qualify for a lower rate. Either way, applying takes less than 15 minutes.
Cosigned
1.99%APR
( including 0.50%* combined
rate discounts )
*Our lowest rates are only available for the most credit qualified existing cosigned loan borrowers who receive the 0.25% Loyalty discount and requires selection of our shortest term offered, full principal and interest payment while in school, and enrollment in our 0.25% Auto Pay discount.
.
Shop around. We mean it.
If another lender offers you a lower rate, send it our way. We'll match it — and send you a $100 Amazon gift card once your rate match is finalized.
Student Loan Calculator
One loan, four ways to repay
Choose the
that fits your financial picture now — and run the numbers with our calculator before you decide.
Deferred.
while in school and during your
. Principal and interest payments begin after. Best if you're on a budget today, but will cost more over the life of the loan.
Fixed.
a month during school and the
. Principal and interest payments begin after that, but with a small head start, you can reduce the total cost.
Interest only. Cover just the interest while you're in school and during your grace period. Principal and interest payments start after that, but paying interest early can reduce the total cost.
Full principal & interest. Start making monthly principal and interest payments right away to minimize interest from the get-go. If you can fit it into your budget, this is how you save the most.
)
Apply With Earnest
Stress-free, fee-free¹, done in minutes
Check your eligibility
Done online, no credit impact. After applying, most qualified applicants get a decision in
or less.
Choose your terms
Pick a fixed or variable rate, term, and repayment
. Use our calculator to find the right fit.
Sign and move on
We'll send your loan details to your school and handle the rest. You get back to business (school).
Got questions? We've got answers.
Have more questions? Visit the Help Center.
The Earnest Blog
Get the facts on MBA student loans
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.
1 Earnest does not charge fees for origination, late payments, returned check, or prepayments. Florida Stamp Tax: For Florida residents, Florida documentary stamp tax is required by law, calculated as $0.35 for each $100 (or portion thereof) of the principal loan amount, the amount of which is provided in the Final Disclosure. Lender will add the stamp tax to the principal loan amount. The full amount will be paid directly to the Florida Department of Revenue. Certificate of Registration No. 78-8016373916-1.
last updated: 09/14/2026