In-school student loans

WHEN IT COMES TO STUDENT LOANS, IT’S GOOD TO BE PICKY

Don’t just choose anyone. Choose Earnest. They’ll help you find great low rates on student loans.

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earnest

FLEXIBLE TERMS THAT FIT YOUR LIFE. HEY, YOU DESERVE IT.

Earnest looks beyond your credit score to bring you great rates.1 They’re cool like that.

Check today’s rates

Education is priceless. That being said: why pay more?

With rates from 4.29-16.49% Fixed APR†† and 5.62-16.85% Variable APR††.

Lowest rate available only on certain loan terms.

VARIABLE

5.62

%

FIXED

4.29

%

Flexible options that fit your needs

Autopay discount

Earnest offers a 0.25% rate discount for enrolling in automatic payments.††

Custom term options

Students can choose a 5, 7, 10, 12, or 15 year loan term.§

No fees

Earnest has no origination fees, prepayment fees or extra payment fees.

Extended grace periods

Qualified borrowers could get up to 9 months of grace period—three more than the national standard.‡‡

Skip-a-payment

Skip-a-payment available once per year (once repayment period has started).

Loan forgiveness options

In the unfortunate event of death or total and permanent disability, Earnest will discharge all private student loans.