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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 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.
How To Save
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.
Fixed Rates
4.59%APR
Variable Rates
6.02%APR
These are our lowest starting rates and contain our .25%
from a checking or savings account. Some borrowers may see higher rates based on their credit.
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 5 am-5 pm PST, Monday-Friday, at (888) 601-2801.
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Are you a good candidate for a private half-time student 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 Earnest Half-Time Private Student Loans
Have more questions? Visit the Help Center.