Half-Time Private Student Loans
Full funding for half-time students
Your Benefits
Enjoy all the benefits of full-time coverage
Apply on your own time with a mobile application, adjust your payment, term, and rates to work for you, and get help from our in-house team of experts. With Earnest, you’ll get:
A quick, mobile application protected by end-to-end encryption.
No late payment
. No origination
, No disbursement
.
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, 6 am-5 pm PT, Monday-Friday.
)
Fixed Interest Rates
Unlock low rates with a cosigner
We offer some of the best interest rates to help you save but if you work with a cosigner you could save even more. Cosigners usually have a longer credit history and access to lower rates when compared to students who apply independently.
Cosigned
3.97%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.
.
)
Get Help
Our team of in-house experts is here for you
Applying for a student loan can be intimidating, so we have a whole team dedicated to answering your questions. They can even help you apply over the phone and explain everything using simple and clear language.
You can reach out to our Client Happiness team 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.
)
Loading Trustpilot Widget...
Get the FAQs on Earnest Half-Time Private Student Loans
Have more questions? Visit the Help Center.
The Earnest Blog
Learn about paying for college
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.
last updated: 09/15/2026