# Application

- ★ [How long do I have to accept my loan offer? | Private Student Loans](https://help.earnest.com/hc/en-us/articles/360024709013-How-long-do-I-have-to-accept-my-loan-offer-Private-Student-Loans)
- [Why is the Interest Rate Different from the APR? | Private Student Loans](https://help.earnest.com/hc/en-us/articles/17477819471767-Why-is-the-Interest-Rate-Different-from-the-APR-Private-Student-Loans)
- [Why was I certified for less than I need? | Private Student Loans](https://help.earnest.com/hc/en-us/articles/7433916491415-Why-was-I-certified-for-less-than-I-need-Private-Student-Loans)
- [Can I Apply Over the Phone? | Applying For Loans](https://help.earnest.com/hc/en-us/articles/6934046925719-Can-I-Apply-Over-the-Phone-Applying-For-Loans)
- [Why Is My Disbursement Date Scheduled for a Day in the Past? | Private Student Loans](https://help.earnest.com/hc/en-us/articles/5699628760599-Why-Is-My-Disbursement-Date-Scheduled-for-a-Day-in-the-Past-Private-Student-Loans)
- [How Can I Reapply? | Private Student Loans](https://help.earnest.com/hc/en-us/articles/4403968207127-How-Can-I-Reapply-Private-Student-Loans)
- [Am I Able to Edit My Application After It Has Been Submitted? | Private Student Loans](https://help.earnest.com/hc/en-us/articles/360058813293-Am-I-Able-to-Edit-My-Application-After-It-Has-Been-Submitted-Private-Student-Loans)
- [What is Student Loan Certification? | Private Student Loans](https://help.earnest.com/hc/en-us/articles/360017702313-What-is-Student-Loan-Certification-Private-Student-Loans)
- [How Do I Determine the Time Period I Need a Loan For? | Private Student Loans](https://help.earnest.com/hc/en-us/articles/360017701353-How-Do-I-Determine-the-Time-Period-I-Need-a-Loan-For-Private-Student-Loans)
- [How Do I Find My Cost of Attendance? | Private Student Loans](https://help.earnest.com/hc/en-us/articles/360017536414-How-Do-I-Find-My-Cost-of-Attendance-Private-Student-Loans)
- [What is Credit History? | Applying For Loans](https://help.earnest.com/hc/en-us/articles/360017699593-What-is-Credit-History-Applying-For-Loans)
- [What is My School Enrollment Status? | Private Student Loans](https://help.earnest.com/hc/en-us/articles/360017536094-What-is-My-School-Enrollment-Status-Private-Student-Loans)
- [Why Isn't My School Listed As a Choice in the Loan Application? | Private Student Loans](https://help.earnest.com/hc/en-us/articles/360017699293-Why-Isn-t-My-School-Listed-As-a-Choice-in-the-Loan-Application-Private-Student-Loans)
- [What is my citizenship/residency status? | Private Student Loans](https://help.earnest.com/hc/en-us/articles/360017689533-What-is-my-citizenship-residency-status-Private-Student-Loans)