Undergraduate Private Student Loans

100% college coverage is just the beginning

If it's a college-certified expense, we can help. Tuition, books, laptops, study abroad costs, and more are all covered, and you'll never pay any 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

The Earnest Difference

Above and beyond tuition coverage

Our clear application helps undergrads make responsible choices, that’s why over 74% choose to make payments while in school – potentially saving thousands of dollars over the life of their loan. With Earnest, you also get:

• Minutes-long eligibility check without credit impact
• Mobile-friendly application protected by end-to-end encryption. Fill it out using your computer, tablet, or phone
• 0.25% Auto Pay discount that could help you save and never miss a payment
• No fees, including late payment, disbursement, or origination fees
• 4 repayment options, including $25 in-school repayment
• Flexible term options so you can adjust for the best payment and due date
• A 9-month grace period vs. the 6-month you get with most competitors

Questions or concerns?

Our in-house Client Happiness team is here for you at 1 (888) 601-2801, 6 am-5 pm PT, Monday-Friday.

)

Love Your Rate

100% Rate Match Guarantee

We back our rates with a 100% Rate Match Guarantee. We’ll match any competitor’s rate and give you a bonus $100 Amazon gift card once it’s final.

)

Applying at a glance

Simple application

Apply online and upload all documents on 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.

Get the FAQ’s on undergraduate private student loans

Do I need a cosigner?

What federal loan options should I consider before applying for a private student loan?

What is the most I can borrow with undergraduate school loans?

Who is eligible for an Earnest Private Student Loan?

Do I qualify for federal or private student loans?

What are the advantages of private student loans vs. federal student loans?

Does Earnest offer flexible repayment options?

What kind of interest rates do you offer?

Do you offer any rate discounts?

What kinds of private student loans do you offer?

Do you offer repayment assistance after graduation?

Can international students apply?

Will Earnest be my loan servicer?

Am I ready to apply for private student loans?

Before applying for private student loans with Earnest, make sure you've completed this pre-application checklist.

I’ve factored in contributions from my family, such as 529 plans(aka money already designated for your education).

I’ve applied for grants, scholarships, and work-study opportunities(aka money you don’t have to pay back).

I’ve filed out the FAFSA® here to maximize my Federal financial aid (aka money you borrow that comes with repayment protections).

Check Eligibility

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. Fill out a FAFSA® form to apply for federal student loans options.
3. 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.