Resources for Financial Aid Professionals | Earnest
Trusted private loans for your students
Connect your students to the funding they need. Your Campus Partnerships representative is here to help every step of the way.
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Trusted by over 1,300 universities nationwide as a preferred lender
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U.S News named us one of the best student loan companies1
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Over 7,000 reviews and a 4.6 star rating
Why Earnest?
A clear path to funding education
Providing flexible private student loans and human support in under a minute—so students can borrow with confidence
Flexible terms: We offer four repayment options and a 9-month grace period after graduation—that’s 50% longer than competitors
Fewer barriers to qualify: No Satisfactory Academic Progress (SAP) requirements. Fair underwriting looks beyond credit scores, and there's no minimum income requirement.
Simple online application: Students can check eligibility in 2 minutes with no hard credit check, and get a decision in under 20 seconds after applying2.
Encourages responsible borrowing: Our repayment slider helps students see the impact of early payments on the total cost of their loans. Thanks to this information, 78% choose to make in-school payments to reduce interest after graduation.
Real humans, real support: Our dedicated School team is here to help. Students and families can talk to a real person from our Client Happiness team in under 60 seconds3.
Disclaimer: For illustrative purposes only
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Leading lender for graduate students
With federal loan uncertainty, Earnest helps keep grad students on track. With Earnest, graduate students get:
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Potentially lower rates
The majority of graduate students signed a lower rate with Earnest than the federal Grad PLUS loan
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No fees, ever
Absolutely zero repayment, origination, or late fees
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Savings on interest
Returning borrowers could qualify for up to a 0.50% discount, including our 0.25% Loyalty and 0.25% Auto Pay discounts
Earnest supports students across these loan types:
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\ Undergrad \
\ Low-rate loans for undergraduates.\
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\ Grad School \
\ Low-rate loans for grad
school students.\
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\ MBA \
\ Low-rate loans for business school students.\
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\ Medical School \
\ Low-rate loans for healthcare professionals.\
\ chevron right icon](/content/student-loans/graduate/medical-veterinary/index.html)
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\ Law School \
\ Low-rate loans for law school students.\
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\ Cosigned \
\ Low-rate loans for cosigners and parents.\
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Stress-free loan processing
Earnest works seamlessly with all major certification and disbursement platforms
| Certification | Disbursement |
|---|---|
| ELMOne | ELM NDN |
| Great Lakes Scholarnet | - Great Lakes CDS |
| Ecourier | iLink CDS |
| iLink | Earnest’s CASHI |
| Commonline 4 | EFT to your school’s bank account |
| Earnest’s CASHI | Paper check |
How Earnest can benefit your students
Learn more about repayment options and eligibility
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Frequently Asked Questions by Financial Aid Professionals
What’s your lender code?
Which students are eligible?
Is Satisfactory Academic Progress required?
Where should refunds be issued?
Does Earnest offer financial literacy or debt management resources to borrowers?
Can Earnest Student Loans be used to pay past due balances?
We’re here to help
For any general questions or to make changes to your loans, reach out over email
School Success Team
forschools@earnest.com
If you’re interested in partnering with Earnest, call or email the Campus Partnerships representative in your region. Your representative’s information is available on the map at the top of the page.