Private Graduate Student Loans With No Fees | Earnest
Graduate Private Student Loans
A loan that works as hard as you do
Take your education to the next level with a private student loan that offers some of the most flexible repayment options and never charges fees.
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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Benefits
Everything you need from a private student loan
Focus on your grad degree, not how you’ll afford it. With Earnest, you can quickly apply and get an answer – all on your phone, laptop, or tablet.
- Quick, mobile application protected by end-to-end encryption
- No late payment fees, no origination fees, no disbursement fees
- Skip a payment once per year without penalties
- Save 0.25% on interest by enrolling in Auto Pay and never miss a payment
- If you need a cosigner, invite them with a tap or click
- Choose from 4 repayment options and ultra-flexible terms to get your ideal monthly payment
- Get a 9-month grace period vs. the 6-month you get with most competitors
Questions? Talk to a human with the knowledge and power to help at (888) 601-2801, 6:00 am - 5:00 pm PT, Monday - Friday.
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Low rates for grad school
Applying with a cosigner could give you a lower rate and increase your odds of approval by 5X. Most cosigners tend to have a longer credit history and get lower rates when compared to most students.
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.
Rate Match Guarantee
Love your rate with Rate Match
To ensure you get a great rate, we offer Rate Match Guarantee. We’ll match any competitor’s rate and give you a $100 Amazon gift card once it’s final.
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A hassle-free application
Mobile application
You can apply online and upload all documents using 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.
Are you a good candidate for a private student loan?
Before applying for a private student loan, make sure you do the following first:
- Factored in contributions from family, such as 529 plans(savings accounts designated to help pay for higher education).
- Applied for grants, scholarships, and work-study opportunities(free money).
- Filled out the FAFSA® to maximize my Federal financial aid (money that comes with federal protections).
Get the FAQ’s on graduate private student loans
Can graduate students apply for FAFSA®?
Do I need a cosigner for private graduate school loans?
How much can graduate students borrow in federal loans?
Who is eligible for Earnest private graduate student loans?
What are the advantages of private student loans vs. federal student loans?
Do you offer flexible repayment options?
What kind of interest rates does Earnest offer?
Can I use a student loan to pay for any college-related expense?
Earnest Private Student Loans are subject to credit approval.
Before applying for private student loans, it’s best to maximize your other sources of financial aid first. It’s recommended to use a 3-step approach to assembling the funds you need:
- Look for funds you don’t have to pay back, like scholarships, grants, and work-study opportunities.
- Next, fill out a FAFSA® form to apply for federal student loan options.
- Finally, consider a private student loan to cover any difference between your total cost of attendance and the amount not covered in steps 1 and 2.