Earnest Student Loans

Earnest Student Loans

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.

Earnest also now offers over-the-phone applications. You can reach out to them directly here: Call 866-492-1222, Monday through Friday, 5 A.M. – 5 P.M. PST, and be sure to mention The Student Loan Calculator when you call in. 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

Earnest Operations LLC

Eligible Degrees
Graduate & Undergraduate

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


Variable Rates from 5.32% – 16.20% APR (with automatic payment)

Fixed Rates from 4.43% – 15.90% APR (with automatic payment)

You can find all terms and conditions for Earnest here.

Earnest Student Loans
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