# 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

Continue

## 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](https://help.earnest.com/hc/en-us/articles/218736348-How-do-I-skip-a-payment-and-when-am-I-eligible-to-do-so-) 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](tel:18886012801), 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.

[Learn More](/content/student-loans-rate-match-faq/index.html)

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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.

[Learn More](/content/student-loan-application-guide/index.html)

### 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](https://www.consumerreports.org/paying-for-college/how-to-withdraw-money-from-a-529-college-savings-plan/)(savings accounts designated to help pay for higher education).
- Applied for [grants, scholarships, and work-study opportunities](/content/blog/how-to-read-your-financial-aid-award-letter/index.html)(free money).
- [Filled out the FAFSA®](/content/blog/apply-for-fafsa/index.html) 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: 
1) Look for funds you don’t have to pay back, like scholarships, grants, and work-study opportunities. 
2) Next, fill out a FAFSA® form to apply for federal student loan options. 
3) 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.