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Partner with us / Earnest

Earnest

Earnest is a full-service student loan company that offers education loans based on people unique financial profile. Founded in 2013, Earnest provides loans to help students achieve their dreams for quality education.

The company offers student loan refinancing, private student loans, and personal loans at potentially lower interest rates. The borrowers get more options to customize their loan payments and terms. The San Francisco-based company, Earnest has lent nearly $2 billion in student loans.

Why choose Earnest for student loans

Covers up to 100% of school’s certified cost of attendance
Easy application & quick approval process
Competitive fixed and variable interest rates
No origination, disbursement, prepayment or late fees
Flexible 5-year to 20-year repayment options
Instant support from customer service team

Earnest gives student loans that fit your budget

From Our Partner Lenders

Compare comprehensive options
Year of Establishment 2005 2001 2013
Student Loan Size $22.9 Billion $26 Billion $4.5 billion
Loan types Undergraduate, Career Training, Parent Loans, K12 Loans, MBA, Medical School, Medical Residency, Dental School, Dental Residency, Law School, Bar Study, Graduate All Graduate/Undergraduate studentswith atleast half-time enrolled in a degree program at an eligible institution. Undergraduate, graduate, MBA, law, dental, medical, international, refinancing, parent refinancing
Rate types Fixed and Variable Fixed and Variable Fixed and variable
Interest Rates* "Variable: 2.75% - 10.65%, Fixed :4.74% - 11.85%" Variable: 3.14% - 11.88%*, Fixed:4.09%- 13.03% * Variable: 2.74% ( Starting), fixed : 4.39% ( Starting)
Loan terms (Years) 5, 10, 15 5, 10, 15 5, 10, 15
Loan amounts $1000 up to the cost of attendance $2,000 to $200,000 $5,000 to school-certified cost of attendance
Application or origination fees No Fees No Fees No Fees
Discounts Autopay Autopay Autopay
Repayment Options - In-school interest only - in-school fixed -in-school deferment - immediate repayment "In-School Interest Only, Pay Deferred Repayment Minimum Payment ($25)" Yes, options available
Deferment or forbearance hardship options Available Available Available
Co-signer release ( Months plus timely payment) 12 Months 24 Months No Cosignor release
BBB rating A+ A+ A+

*As per last Update on 3/13/2020

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