Private Student Loans

Private student loans just got easier for TuitionChart clients

A quick, easy, and affordable private student loan is possible. Apply over the phone. We’ll explain everything step-by-step.

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Our Partner

Why TuitionChart trusts Earnest

We believe in a world where everyone can confidently invest in their education with the right tools – from filling out the FAFSA to finding a private student loan that fits your needs.

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The Earnest Difference

Above and beyond tuition coverage

Our clear application helps undergrads make responsible choices, that’s why over 90% choose to make $25 payments while in school – potentially saving thousands of dollars over the life of their loan. With Earnest, you also get:

• 2-minute eligibility check without credit impact
• Mobile-friendly application protected by end-to-end encryption. Fill it out using your computer, tablet, or phone.
• .25% Auto Pay discount that could help you save and never miss a payment
• No fees, including late payment, disbursement, or origination fees
• 4 repayment options, including $25 in-school repayment
• A 9-month grace period vs. the 6-month you get with most competitors

Questions or concerns? Our in-house Client Happiness team is here for you at 1(888) 601-2801, 8 am-5 pm PST, Monday-Friday.

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Low Rates

It pays to have a cosigner

Students who apply with a cosigner increase their chances of approval by 5X and could get a lower interest rate.

Cosigners tend to have a longer credit history than most students, and most qualify for better rates, which could help the student save over the life of the loan.

Cosigner

Starting at

2.44% APR

( including a 0.25% Auto Pay discount )

Independent

Starting at

7.15% APR

(Including a 0.25% Auto Pay discount )

These are our lowest starting rates and contain our 0.25% Auto Pay discount from a checking or savings account. Some borrowers may see higher rates based on their credit. Variable rates not available in AK, IL, MN, NH, OH, TN, and TX.

Love Your Rate

100% Rate Match Guarantee

We’ll match any competitor’s rate and give you a $100 Amazon gift card once your rate match is complete.

Learn More

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How it Works

Applying at a glance

Simple application

Apply online and upload all documents on your phone

24-Hour decision

Most clients hear back in as little as 24 hours.

Sign and send

Once you sign, we’ll send the money to your school to verify the loan.

Learn More

Why Earnest

Here's why our clients love us

• “Such a stress-reliever

For the first time, it feels like I may be able to actually pay down my student loan debt and have some control over my future.”

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• “Happy I found Earnest

The approval process was much better than other companies and truly focused on helping people reduce their interest rates.”

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• “The best place to refinance

In only 5 minutes I was approved at half the monthly cost and interest percentage! I'm glad I went through Earnest!”

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• “Earnest is awesome

Got a much better rate with them and was able to refinance again when my credit score got better!”

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• “What a relief

Compared with other refinance options, Earnest offered me the best rate and was the most transparent.”

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