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Undergraduate Private Student Loans
100% college coverage is just the beginning
If it's a college-certified expense, we can help. Tuition, books, laptops, study abroad costs, and more are all covered, and you'll never pay any fees.
The Earnest Difference
Above and beyond tuition coverage
Our clear application helps undergrads make responsible choices, that’s why over 90% choose to make $25 payments while in school – potentially saving thousands of dollars over the life of their loan. With Earnest, you also get:
2-minute eligibility check without credit impact
Mobile-friendly application protected by end-to-end encryption. Fill it out using your computer, tablet, or phone.
.25%
discount that could help you save and never miss a payment
No fees, including late payment, disbursement, or origination fees
4 repayment options, including
Flexible term options so you can adjust for the best payment and due date
A
vs. the 6-month you get with most competitors
Questions or concerns? Our in-house Client Happiness team is here for you at 1 (888) 601-2801, 8 am-5 pm PST, Monday-Friday.
Pre-Med Majors
Loans for aspiring medical doctors
Pre-MBA Majors
Loans for Pre-MBA Majors
Law School Undergrad
Loans for Law School undergraduates
Dental School
Loans for aspiring dentists
Nursing School
Loans for Nursing School Majors
International Student
Loans for International Students
DACA Loans
Student loans for DACA
Half-Time Student Loans
Loans for half-time students
Low Fixed Rates
It pays to have a cosigner
Students who apply with a cosigner increase their chances of approval by 5X and could get a lower interest rate.
Cosigners tend to have a longer credit history than most students, and most qualify for better rates, which could help the student save over the life of the loan.
Cosigner
3.69%APR
Independent
5.39%APR
These are our lowest fixed interest starting rates and contain our .25% Auto Pay discount from a checking or savings account. Some borrowers may see higher rates based on their credit.
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Am I ready to apply for private student loans?
Before applying for private student loans with Earnest, make sure you've completed this pre-application checklist.
I’ve factored in contributions from my family, such as 529 plans (aka money already designated for your education).
I’ve applied for grants, scholarships, and work-study opportunities (aka money you don’t have to pay back).
I’ve filled out the FAFSA® to maximize my Federal financial aid (aka money you borrow that comes with repayment protections).
Get the FAQ’s on undergraduate private student loans
Have more questions? Visit the Help Center.