Earnest Private Student Loan application

Applying for the Earnest Private Student Loan gets even easier with their support by phone. Check the step-by-step and eligibility requirements on this post.


by Julia Bermudez

Published on 08/13/2022

Earnest Private Student Loan: flexibility to choose your repayment conditions

Earnest private student loan
Check the eligibility requirements and apply for your Earnest Private Student Loan online. Source: The Post New.

We’ll tell you everything about the Earnest Private Student Loan application process. Check if you’re eligible and how to get this loan and reach your academic goals.


Student Loan


No fees flexibility

Get your private student loan with no fees and choose your repayemnt conditions!

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If you have already applied for federal private loans and available financial aid and you still need more money, it’s time to look for a private student loan.

But don’t worry, it doesn’t have to be scary or difficult. Earnest gives you full support, and there are no hidden fees or abusive interest rates.

Earnest is here to help you graduate, and it’s up to you to financially organize yourself with their help. Keep reading this post, and you’ll see how to get an Earnest Private Student Loan

How to apply for Earnest Private Student Loan

We know that going to college is a huge step into your adulthood. This special moment needs proper assistance, and that’s what you’ll get with Earnest Private Student Loan. Let’s see how the application process works.

Eligibility criteria

There is no option to pre-qualify and avoid a credit check. However, Earnest tells you exactly which are the eligibility requirements so that you won’t apply if you don’t fit them. 

  • The co-signer must be at least 18 years old (or at the age of majority in their state)
  • Both primary and co-signer have to live in a state covered by Earnest loans (which excludes Nevada)
  • Primary and co-signer must be U.S citizens
  • The student must be pursuing a Graduate or Bachelor’s degree
  • The minimum amount is $1,000
  • Minimum 650 FICO credit score for co-signer, with at least 3 years of credit history and no bankruptcy
  • Co-signer minimum income of $35,000 per year
  • Has an emergency fund, and your income overcomes your expenses

As you can see, there are many eligibility requirements, but it is fairly possible to fit all of them.


Online Application Process

woman with headset call center
You can call and ask for step-by-step guidance to help apply for the Earnest Private Student Loan. Source: Adobe Stock

The application will be entirely made on their website. But if you have any doubt about it, you can call 866-492-1222 and ask for a step-by-step guidance

The form is intuitive, and you will take a window-to-window tour answering the questions. The information requested will match the eligibility requirement. you’ll also be asked about your personal and contact information.

Once you finish the application, Earnest will check the info you provided with your school. Just wait for their response to see if you got it or not. 

Another recommendation: SoFi Private Student Loans

Are you not quite sure about Earnest’s loans yet? No problem! It’s great to take a look at several options before deciding about one. We have a second option for you.

SoFi offers a wide range of financial products, including private student loans. To learn everything about it, including benefits and possible disadvantages, you can read the following content and check their conditions.

SoFi Private Student Loans review

SoFi Private Student Loans application

Learn more about the process of applying for a private student loan from SoFi. We offer affordable rates, flexible terms, and other perks that can help you graduate.

About the author  /  Julia Bermudez

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