Student Loan Cosigner: Make Student Loans Easy | Earnest
Cosigned Private Student Loans
Earnest works harder to make student loans easy
Applying with a cosigner could unlock lower rates and help your student save over the life of their loan.
Plus, students are 5X more likely to be approved with a cosigner!
Let’s get started
Check your eligibility. No credit impact.
I am a
Student
Cosigner
I (my student) is earning this degree
Bachelor’s
Graduate
I live in
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Earnest Benefits
Today's Rates
Cosigner Checklist
FAQs
Cosigning with Earnest
Apply now, share with your student later
You can start the application now on your computer, tablet, or phone, and easily share it with your student with a single click.
Quick minutes-long eligibility check before you apply.
Fast and convenient application. All your data stays safe with end-to-end encryption.
Increase your student’s chances of approval by as much as 5X.
Help your student get potentially lower interest rates. Check out our rates below.
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Earnest Benefits
Designed for flexible repayment
We believe in guiding applicants towards financial responsibility. That’s why 78% of our clients opt for in-school payments, which could help them save thousands of dollars over the life of the loan.
- 9-month grace period, that’s 3 months longer than most of our competitors
- No fees, including late payment, disbursement, or origination fees
- 4 repayment options
- An in-house team of experts that have the power to solve your problems
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New: Cosigner release
A clear path off the loan
Cosigning doesn’t have to mean staying on the loan forever. Unlike other lenders, Earnest will now automatically review loans for cosigner release and notify you and the borrower if you’re eligible – so you don’t have to track or start the process yourself.
Eligible borrowers can also request to release their cosigner after graduating and meeting certain requirements. Once released, you’re no longer responsible for the loan. It will no longer appear as an active loan on your credit report going forward.*
*Your credit report will still reflect any history prior to the removal
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Let's Talk
Application help and so much more
Questions or concerns? Our in-house Client Happiness team has the power to solve your problems and set you up for success. We can even assist you in submitting your application over the phone.
You can reach us via email and web chat; if you prefer to speak to a real person call between 6:00 am - 5:00 pm PT, Monday - Friday, at [(888) 601-2801](tel: 18886012801).
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Compare Fixed Interest Rates
Cosigners add up to low rates
Applying with a cosigner could unlock lower rates and help your student save over the life of their loan. See the difference for yourself.
Cosigned
Starting at
2.19%APR
(including 0.50%* combined Auto Pay and Loyalty rate discounts)
*Our lowest rates are only available for the most credit qualified existing cosigned loan borrowers who receive the 0.25% Loyalty discount and requires selection of our shortest term offered, full principal and interest payment while in school, and enrollment in our 0.25% Auto Pay discount.
View full disclosure.
Read our cosigner checklist
Before you apply, have your student submit the FAFSA to take advantage of all free financial aid programs, grants, and scholarships. Calculate the future loan payments and your student’s potential salary to ensure they will be able to afford payments. When you’re ready, review our cosigner checklist and read our eligibility guide.
I am a U.S. Citizen or Permanent Resident
My credit score is above 650
Get the FAQs about cosigning a student loan
What is a cosigner for a student loan?
What are my responsibilities as a student loan cosigner?
Why do some students need a student loan cosigner?
Are there types of loans for students that don’t require a cosigner?
What is a federal Parent PLUS Loan?
How does cosigning a private student loan compare to a federal Parent PLUS Loan?
What account access will I have as a cosigner?
Can I refinance student loans as a cosigner?
What kind of repayment plans do you offer? What about deferment and forbearance?
What kind of interest rates do you offer?
What are the benefits of an Earnest Private Student Loan?
What is the application process like?
What are the student loan cosigner requirements?
Who can cosign a student loan with Earnest?
What are the student eligibility criteria?
Do Earnest Private Student Loans qualify for forgiveness?
Do you charge any fees for cosigned private student loans?
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