Private Half-Time Student Loans - Low Rates, Flexible Payment Options | Earnest
Half-Time Private Student Loans
Full funding for half-time students
With Earnest, half-time students get 100% coverage on all college-certified expenses. You can pick your payment and adjust your loan term to get the perfect loan for your budget.
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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Your Benefits
Enjoy all the benefits of full-time coverage
Apply on your own time with a mobile application, adjust your payment, term, and rates to work for you, and get help from our in-house team of experts. With Earnest, you’ll get:
- A 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 standard 6 months offered by most competitors.
Questions? Talk to a human with the knowledge and power to help at 1(888) 601-2801, 6 am-5 pm PT, Monday-Friday.
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Unlock low rates with a cosigner
We offer some of the best interest rates to help you save but if you work with a cosigner you could save even more. Cosigners usually have a longer credit history and access to lower rates when compared to students who apply independently.
3.97% 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.
Get a 100% Rate Match Guarantee
A low interest rate has a big impact on your future and, ultimately how much you’ll owe. That’s why we match any competitors’ rate and give you a $100 Amazon gift card once it’s final.
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Our team of in-house experts is here for you
Applying for a student loan can be intimidating, so we have a whole team dedicated to answering your questions. They can even help you apply over the phone and explain everything using simple and clear language.
You can reach out to our Client Happiness team via email and web chat; if you prefer to speak to a person call between 6:00 am - 5:00 pm PT, Monday - Friday, at (888) 601-2801.
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Apply on your own time. Get answers fast.
Mobile application
You can apply online and upload all documents using your phone.
24 hour decision
Most clients get an answer 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 half-time student loan?
Before applying for a private student loan, make sure you check off the following first:
- Factored in contributions from my 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).