Private Medical School Loans
Medical school loans that cover 100% of your costs
From tuition to living expenses, we've got you covered. Plus, defer payments during residency and fellowship—with no credit impact.
Earnest Benefits
Residency-friendly terms designed for physicians in training
No late payment fees. No origination fees, No disbursement fees
Quick, mobile application protected by end-to-end encryption
Choose from 4 repayment options and ultra-flexible terms
once per year without penalties
48-month deferment during residency and fellowship programs
100% school cost coverage - tuition, fees, and living expenses
Get
after graduating before your first payment is due vs. 6 months from competitors
Questions? Talk to a human who understands medical school financing at 1(888) 601-2801, 6 am-5 pm PT, 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
2.89%APR
Independent
3.69%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 6:00 am - 5:00 pm PT, 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.