Financial Aid Officers

Student loans that look out for students

Our application shows students the impact of small payments and our private student loans offer flexible payments and loan terms.
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Built-in Benefits

Flexible. Personal. Educational.

Before signing a loan, students can run payment scenarios and speak to a member of our team if they have any questions.  

  • No fees 
  • 0.25% Auto Pay discount
  • $25 in-school payment option 
  • Quick 10-minute application 
  • Support from a Client Happiness team member 
  • 9-month grace period (3 months longer than most lenders) 

Let’s talk

Tell us what you need

How can we make your job easier? An Earnest sales rep in your region is always happy to hear from you.

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Got a minute?

Watch this video to learn exactly how we combine financial literacy with private student loans.

Want the facts?

Download the Earnest Fact Sheet

This is a quick guide created for Financial Aid Officers and Advisors. If you’d like a handout to share with your students, you can find one here.

For school use only. Materials not intended for consumer or student distribution.

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Frequently Asked Questions by Financial Aid Professionals

What is the Earnest Private Student Loan Origination Information?
  • Lender Code: 600001 
  • Guarantor code: K76 (Earnest is the Guarantor) 
  • Alternative/private student loan program ID: K77 
Who is eligible for an Earnest private student loan?

Eligible students must be:

  • Attending, or enrolled to attend, full-time at an eligible Title IV 4-year institution
  • A U.S Citizen or Permanent Resident or apply with a cosigner who is a U.S. Citizen or Permanent Resident (primary is not required to be a U.S. Citizen or Permanent Resident but is required to have a SSN).
  • Applying for a loan to pay their current academic year, or for a past due balance up to 365 days prior
  • Applying for a minimum loan amount of $1000 unless specified by state of residence

SAP (Satisfactory Academic Progress) is not required.

View full eligibility details on our Eligibility page.

Which certification methods do you support?

Our simple online application, certification, and disbursement processes make life easy for you, your students, and their cosigners. 

Earnest supports the following certification methods:

  • ELMNet
  • Great Lakes ScholarNet
  • Most school based software (SBS) with Commonline 4
  • Ecourier
  • iLink
Which disbursement methods do you support?

We support the following disbursement methods:

  • ELM NDN
  • Great Lakes CDS
  • EFT to your school’s bank account
  • Paper check

Refunds via check can be mailed to: P.O. Box 8016, Fishers, IN 46038. Please include the student’s name and SSN.

Latest Updates

View releases on updates to our Private Student Loan offering.

The Earnest Blog

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