# 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](/content/student-loan-disclaimers/index.html) 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](/content/student-loan-disclaimers/index.html)

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### Savings on interest

Returning borrowers could qualify for up to a 0.50% discount, including our 0.25% [Loyalty](/content/student-loan-disclaimers/index.html) and 0.25% [Auto Pay](/content/student-loan-disclaimers/index.html) discounts

### Earnest supports students across these loan types:

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\ **Undergrad** \ 
\ Low-rate loans for undergraduates.\ 
\ chevron right icon](/content/student-loans/undergraduate/index.html)  
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\ **Grad School** \ 
\ Low-rate loans for grad  
 school students.\ 
\ chevron right icon](/content/student-loans/graduate/index.html)  
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\ **MBA** \ 
\ Low-rate loans for business school students.\ 
\ chevron right icon](/content/student-loans/graduate/mba/index.html)  
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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.\ 
\ chevron right icon](/content/student-loans/graduate/law/index.html)  
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\ **Cosigned** \ 
\ Low-rate loans for cosigners and parents.\ 
\ chevron right icon](/content/student-loans/cosigner/index.html)

### 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

[Download Guide](https://a-us.storyblok.com/f/1016673/x/62fe4492d7/earnest-fact-sheet_26-27.pdf)

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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](mailto: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.