Low-Rate Private Student Loans

Variable rates start at 0.94% APR and fixed rates start at 3.24% APR, with Auto Pay discount. Check your eligibility in 2min without affecting your credit score.

Benefits of Earnest private student loans

  • 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 per 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