Medical & Veterinary School Loans | Earnest
Private Medical & Veterinary School Loans
A private med & vet loan that works at every step
Including a 9-month grace period, up to 4 years of deferment, and real human support, designed for MD, DO, DPM, DVM, and VMD students.
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
Repayment
How It Works
FAQs
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Ranked #1 Private Student Loan Lender of 2026
420,000+
customers trust Earnest
1,300+
schools have Earnest as a preferred lender
Earnest Benefits
A student loan that works for you, not just your tuition
Flexibility. Get a 9-month grace period after you finish school, plus up to 48 months of deferment if you head into residency, an internship, or a fellowship. Your loan works for your path.
Full coverage. Tuition, required equipment, living expenses — Earnest Private Student Loans can cover up to 100% of your school-certified costs for med and vet school alike.
Zero fees. With Earnest, the number you see is the number you get: no origination, returned payment, or late payment fees.
No surprises. You'll get a full picture of your monthly payment and estimated total costs before you sign. Every student loan has a cost, but you can be confident in knowing yours exactly.
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Today's Fixed Rates
Low rates, no hidden fees
Apply on your own, or add a cosigner to help improve your approval odds and potentially qualify for a lower rate. Either way, applying takes less than 15 minutes.
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.
Student Loan Calculator
One loan, four ways to repay
Whatever your post-graduation plans, your loan aligns with your goals. Earnest's four flexible repayment plans help you pay for medical or veterinary school your way.
Deferred.
Pay $0 while in school and during your 9-month grace period. Principal and interest payments begin after. Best if you're on a budget today, but will cost more in the long run.
Fixed.
Pay $25 a month during school and the 9-month grace period. Principal and interest payments begin after that, but by chipping away early, you can reduce your total cost.
Interest only. Pay the monthly interest while you're in school and during your grace period. Principal and interest payments start after that, but making interest payments early saves you even more.
Full principal & interest. Start making monthly principal and interest payments right away. If it makes sense with your monthly budget, this is always how you'll save the most.
Run through the options with our student loan calculator before you decide.
Try Our Calculator
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We've Got Your Back
Designed to help med and vet students succeed
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Get help from actual people
You belong with patients, not in a waiting room. Our Client Happiness team is with you in 60 seconds or less — Monday to Friday, 6 a.m. to 5 p.m. PT — and they get how med & vet student financing works.
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Skip a payment
Your life? It's kinda crazy. That's why we offer one skipped payment each year (no fee, no penalty), after you've made 6 months of on-time payments.
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Count on your best rate, guaranteed
Stack our 0.25% Auto Pay discount with a 0.25% Loyalty Discount for returning customers. And if you find a better finalized offer elsewhere, we'll match it (and send you a $100 Amazon gift card).
Apply With Earnest
No fees¹, no stress, apply in just 15 minutes
Check your eligibility
Done online, no credit impact. After applying, most qualified applicants get a decision in 20 seconds or less.
Choose your terms
Pick a fixed or variable rate, term, and repayment plan. Use our calculator to find the right fit.
Sign and sit back
We'll send your loan details to your school and handle the rest. Go ahead and clock out.
The Earnest Blog
Learn more about paying for med or vet school
)](/content/blog/how-to-pay-for-medical-school/index.html)How to Pay for Medical School 11 min read
)](/content/blog/student-loan-forgiveness-for-doctors-and-other-healthcare-professionals/index.html)Student Loan Forgiveness for Doctors and Other Healthcare Professionals 9 min read
)](/content/blog/how-much-does-medical-school-cost/index.html)How Much Does Medical School Cost? 5 min read
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 loans 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. For more information, visit the Department of Education website at studentaid.gov.