Private Medical School Loans
A flexible loan for a healthy budget
Earnest Benefits
Helping students become doctors
You’re in med school to make a difference, and Earnest is here to help you with a clear and simple private student loan designed for future medical professionals. Earnest benefits include:
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.
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Great Fixed Rates
Protect your future with low rates
We offer some of the lowest starting rates to help you save on medical school bills. If you work with a cosigner, you could significantly increase your chances of getting an even lower rate. Cosigners tend to have a longer credit history and get lower rates.
Cosigner
3.47%APR
Independent
4.27%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.
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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 5 am-5 pm PST, Monday-Friday, at (888) 601-2801.
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Are you a good candidate for a private med 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 medical student loans
Have more questions? Visit the Help Center.