Earnest Student Loans

Earnest Student Loans
Skip-A-Payment
Earnest offers the ability to Skip-A-Payment which is available once per year once your repayment period has started.
Earnest Student Loans
Extended Grace Period
Earnest offers up to 9 months for its grace period while the national average in the space offer only 6 months.
Earnest Student Loans
Loan Fogiveness
If the unthinkable happens such as a student’s death or permanent disability, the loan with Earnest will be forgiven.

Getting to know Earnest Student Loans

The same Earnest that you know and love for their incredible student loan refinancing product now offer private student loans. With Earnest, you can shop for a low-interest rate on a student loan, whether you’re a student or cosigner. They make the process easy with just a few clicks for a decision. The best part is, that they’ve built a private student loan from scratch, with features students actually care about. Whether you’re just taking your first step onto campus or you’re returning for a higher degree, Earnest student loans can help make post-graduation life easier. Don’t just take our word for it, look at their thousands of 5-star reviews showcasing their user’s experiences with the product and platform.

Earnest Student Loans
Earnest Student Loans

With Earnest student loans, you are truly getting a loan designed with you in mind. Earnest offers a 0.25% discount on all loans that are set up with autopay. They also offer no fees, including no prepayment penalties, origination fees, or late payment fees. With Earnest, students can borrow as little as $1,000 or up to $250,000 for qualified applicants. They also offer flexible loan payment options varying from 5 to 15-year terms. Earnest also has great eligibility requirements which will increase your chances of getting a loan from this. This includes:

  • Half-time Grads and College Seniors will be eligible
  • Underage of majority (18 in most states), primary applicants will be eligible with an eligible cosigner

With Earnest Student loans, you can easily choose a payment option that works best for you and your family:

  • Deferred Payment: Waiting until the end of your grace period to make payments means the highest total cost.
  • Fixed $25 Payment: Making small monthly payments while in school reduces your accrued interest.
  • Interest-Only Payment: Paying the accrued interest each month is the middle ground for in-school repayment options.
  • Principal & Interest Payment: Making full payments right away makes the biggest impact on your total loan cost.

You can also check out some of their repayment examples that allow you to see what your payments may look like if you take out a loan through Earnest. If you are in the market for a student loan, you should consider using Earnest Student Loans.

Earnest Student Loans

The Earnest Student Loan Advantage

Lender
Earnest Operations LLC

Eligible Degrees
Graduate & Undergraduate

Loan Terms
5, 7, 10, 12, 15 years

Undergrad:

Variable Loan: Rates from 1.24% – 11.44% APR (with automatic payment)

Fixed Loan: Rates from 3.95% – 12.78% APR (with automatic payment)

Grads:

Variable Loan: Rates from 1.24% – 9.89% APR (with automatic payment)

Fixed Loan: Rates from 3.95% – 10.99% APR (with automatic payment)

Terms
You can find all terms and conditions for Earnest here.

Earnest Student Loans
VISIT EARNEST STUDENT LOANS
Other Current Lender Offerings
LenderRates (APR)*Terms*Soft Credit Check*
1.24% – 12.78%5, 7, 10, 12, 15Soft credit check logosREQUEST RATE

Fast Facts

Soft Credit CheckSoft credit check logos
Time to Apply2 minutes
Variable Rates1.24% – 11.44%
Fixed Rates3.95% – 12.78%
Income RequirementsNo Min
Eligible LoansPrivate
Minimum Lending Amount$1,000
CosignerSoft credit check logos

Details

  • Fast application and approval process
  • 9-month grace period (3 months more than most lenders)
  • No fees for origination, disbursement, prepayment, or late payment
  • Skip a payment once a year (once repayment period has started)
  • Expert support from our Client Happiness team
  • 0.25% Auto Pay discount
  • Covers up to 100% of school’s certified cost of attendance
  • Min lending amount – $1,000

All Details and Full Review

See additional details for Earnest Student Loans

See full review for Earnest Private Student Loans

4.07% – 12.16%5, 7, 10, 12, 15Soft credit check logosREQUEST RATE

Fast Facts

Soft Credit CheckSoft credit check logos
Time to Apply15 minutes
Variable Rates4.07% – 11.32%
Fixed Rates5.63% – 12.16%
Income RequirementsNo Min
Eligible LoansPrivate
Minimum Lending Amount$2,001
CosignerSoft credit check logos

Details

  • Ascent offers two non-cosigned loan options for undergraduates that will help you pay for college WITHOUT the need for a cosigner
  • No origination, disbursement, or application fees
  • Ability to customize your loan
  • 0.25% – 2.00% interest rate deduction when on auto debit
  • Min lending amount – $2,001

All Details and Full Review

See additional details for ASCENT

See full review for ASCENT INDEPENDENT

1.82% – 12.16%5, 7, 10, 12, 15Soft credit check logosREQUEST RATE

Fast Facts

Soft Credit CheckSoft credit check logos
Time to Apply15 minutes
Variable Rates1.82% – 10.32%
Fixed Rates3.27% – 12.16%
Income RequirementsNo min
Eligible LoansPrivate
Minimum Lending Amount$2,001
Cosignerno cosigner logo

Details

  • Ascent’s Cosigned Credit-Based Loan is a student loan will help you pay for college WITH a cosigner
  • No origination, disbursement, or application fees
  • Ability to customize your loan
  • 100% US-based customer service team
  • Free help with your application available by phone
  • Flexible loan terms and repayment options
  • Can apply with Cosigner
  • .25% interest rate deduction when on auto debit
  • Min lending amount – $2,001

All Details and Full Review

See additional details for ASCENT

See full review for ASCENT TUITION

1.80% – 12.92%7, 10, 12, 15, 20Soft credit check logosREQUEST RATE

Fast Facts

Soft Credit CheckSoft credit check logos
Time to Apply15 minutes
Variable Rates1.80% – 11.07%
Fixed Rates3.20% – 12.92%
Income RequirementsNo min
Eligible LoansGraduate
Minimum Lending Amount$1,000
Cosignerno cosigner logo

Details

  • Ascent’s Graduate Loans have both cosigned and non-cosigned loan options that will help you pay for college WITH or WITHOUT a cosigner
  • No origination, disbursement, or application fees
  • Ability to customize your loan
  • 100% US-based customer service team
  • Free help with your application available by phone
  • Flexible loan terms and repayment options
  • .25% interest rate deduction when on auto debit
  • Min lending amount – $2,001

All Details and Full Review

See additional details for ASCENT

See full review for ASCENT GRADUATE

1.25% – 12.59%5, 10, 15Soft credit check logosREQUEST RATE

Fast Facts

Soft Credit CheckSoft credit check logos
Time to Apply2 minutes
Variable Rates1.25% – 11.35%
Fixed Rates4.25% – 12.59%
Credit Score Minimum660
Income Requirements$24k annually, N/A with a cosigner
Eligible LoansPrivate
Minimum Lending Amount$5,000

Details

  • Available to both undergraduate and graduate school qualified
  • Great rates and no fees from not-for-profit credit unions
  • Ability to release Cosigner
  • Can apply with Cosigner
  • Automatic payment discount
  • No origination fees or prepayment penalties
  • 30-day no-fee return policy for all borrowers
  • Funds can be used to pay for qualified education expenses, including Tuition, Room and Board, Books, Computer(s), and more.

All Details and Full Review

See additional details for LENDKEY

1.51% – 8.49%5, 10, 15Soft credit check logosREQUEST RATE

Fast Facts

Soft Credit CheckSoft credit check logos
Time to Applywithin minutes
Variable Rates1.51% – 7.75%
Fixed Rates3.99% – 8.49%
Income RequirementsNo min
Eligible LoansUndergraduate & Graduate
Minimum Lending Amount$1,000

Details

  • Award-winning customer care to help you every step of the way
  • No disbursement or application fees
  • 2% origination fee, but there are no other application fees or prepayment penalties of any kind. This origination fee is subject to state-specific regulations.
  • Your loan helps provide education for those in need
  • Can apply with Cosigner
  • Low rates and flexible payment plans
  • Loan options from 5 – 15 years
  • .25% interest rate deduction when on auto debit

All Details and Full Review

See additional details for CommonBond

See full review for CommonBond

1.05% – 11.34%5, 10, 15Soft credit check logosREQUEST RATE

Fast Facts

Soft Credit CheckSoft credit check logos
Time to Applywithin minutes
Variable Rates1.05% – 11.34%
Fixed Rates4.08% – 10.90%
Income RequirementsInquire Within
Eligible LoansUndergraduate & Graduate
Minimum Lending Amount$5,000

Details

  • SoFi knows a thing or two about student loans. 98% of users would recommend to a friend
  • Award-winning customer care to help you every step of the way
  • No disbursement or application fees
  • No origination fees, application fees or prepayment penalties of any kind
  • Can apply with Cosigner
  • Low rates and flexible payment plans
  • Loan options from 5 – 15 years
  • .25% interest rate deduction when on auto debit

All Details and Full Review

See additional details for SoFi Student Loans

See full review for SoFi Student Loans

Need to take out a loan for your upcoming school year?
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