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
Other Current Lender Offerings
Lender Rates (APR)* Terms* Soft Credit Check*
1.24% – 12.78% 5, 7, 10, 12, 15 Soft credit check logos REQUEST RATE

Fast Facts

Soft Credit Check Soft credit check logos
Time to Apply 2 minutes
Variable Rates 1.24% – 11.44%
Fixed Rates 3.95% – 12.78%
Income Requirements No Min
Eligible Loans Private
Minimum Lending Amount $1,000
Cosigner Soft 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

2.69% – 14.50% 5, 7, 10, 12, 15 Soft credit check logos REQUEST RATE

Fast Facts

Soft Credit Check Soft credit check logos
Time to Apply 15 minutes
Variable Rates 2.69%- 12.98%
Fixed Rates 3.58%- 14.50%
Income Requirements No Min
Eligible Loans Private
Minimum Lending Amount $1,000
Cosigner Soft credit check logos

Details

  • Ascent Independent is a student loan that will help you pay for college WITHOUT the need for a cosigner
  • No origination, disbursement, or application fees
  • Ability to customize your loan
  • .25% interest rate deduction when on auto debit
  • Min lending amount – $1,000

All Details and Full Review

See additional details for ASCENT

See full review for ASCENT INDEPENDENT

2.69% – 14.50% 5, 7, 10, 12, 15 Soft credit check logos REQUEST RATE

Fast Facts

Soft Credit Check Soft credit check logos
Time to Apply 15 minutes
Variable Rates 2.69% – 12.98%
Fixed Rates 3.58% – 14.50%
Income Requirements No min
Eligible Loans Private
Minimum Lending Amount $1,000
Cosigner no cosigner logo

Details

  • Ascent Tuition is a student loan that 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 – $1,000

All Details and Full Review

See additional details for ASCENT

See full review for ASCENT TUITION

4.11% – 10.78% 7, 10, 12, 15, 20 Soft credit check logos REQUEST RATE

Fast Facts

Soft Credit Check Soft credit check logos
Time to Apply 15 minutes
Variable Rates 4.11% – 10.78%
Fixed Rates 4.11% – 10.78%
Income Requirements No min
Eligible Loans Graduate
Minimum Lending Amount $1,000
Cosigner no cosigner logo

Details

  • Ascent Tuition is a student loan that 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
  • .25% interest rate deduction when on auto debit
  • Min lending amount – $1,000

All Details and Full Review

See additional details for ASCENT

See full review for ASCENT GRADUATE

1.25% – 11.85% 5, 10, 15 Soft credit check logos REQUEST RATE

Fast Facts

Soft Credit Check Soft credit check logos
Time to Apply 2 minutes
Variable Rates 1.25% – 9.44%
Fixed Rates 4.74% – 11.85%
Credit Score Minimum 660
Income Requirements $24k annually, N/A with a cosigner
Eligible Loans Private
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

1.25% – 12.35% 5, 10, 15 Soft credit check logos REQUEST RATE

Fast Facts

Soft Credit Check Soft credit check logos
Time to Apply within minutes
Variable Rates 1.25% – 11.15%
Fixed Rates 4.25% – 12.35%
Income Requirements No min
Eligible Loans Undergraduate & 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

1.90% – 11.76% 5, 10, 15 Soft credit check logos REQUEST RATE

Fast Facts

Soft Credit Check Soft credit check logos
Time to Apply within minutes
Variable Rates 1.90% – 11.66%
Fixed Rates 4.23% – 11.76%
Income Requirements Inquire Within
Eligible Loans Undergraduate & 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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