Earnest Student Loans

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.

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.

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.

VISIT EARNEST STUDENT LOANS

Lender

Rates (APR)*

Terms*

Soft Credit Check*

1.24% – 12.78%

5, 7, 10, 12, 15

REQUEST RATE

Fast Facts

Soft Credit Check
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

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

2.71% – 14.50%

5, 7, 10, 12, 15

REQUEST RATE

Fast Facts

Soft Credit Check
Time to Apply	15 minutes
Variable Rates	2.71%- 12.99%
Fixed Rates	3.53%- 14.50%
Income Requirements	No Min
Eligible Loans	Private
Minimum Lending Amount	$1,000
Cosigner

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

2.71% – 14.50%

5, 7, 10, 12, 15

REQUEST RATE

Fast Facts

Soft Credit Check
Time to Apply	15 minutes
Variable Rates	2.71% – 12.99%
Fixed Rates	3.53% – 14.50%
Income Requirements	No min
Eligible Loans	Private
Minimum Lending Amount	$1,000
Cosigner

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

REQUEST RATE

Fast Facts

Soft Credit Check
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

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

REQUEST RATE

Fast Facts

Soft Credit Check
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

REQUEST RATE

Fast Facts

Soft Credit Check
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

REQUEST RATE

Fast Facts

Soft Credit Check
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

STUDENT LOANS CONTACT US