# 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

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### 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](tel:18886012801), 6 am-5 pm PT, Monday-Friday.

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### 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.

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### 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](https://www.consumerreports.org/paying-for-college/how-to-withdraw-money-from-a-529-college-savings-plan/)(aka money already designated for your education).

I’ve applied for [grants, scholarships, and work-study opportunities](/content/blog/how-to-read-your-financial-aid-award-letter/index.html)(aka money you don’t have to pay back).

I’ve filed out the FAFSA® [here](/content/blog/apply-for-fafsa/index.html) to maximize my Federal financial aid (aka money you borrow that comes with repayment protections).

[Check Eligibility](/content/_/slo/applications/type/index.html)

### 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.