Earnest Private Student Loan review

When it comes to payment conditions, Earnest Private Student loans are outstanding. Check how they can give you the best loan offer and help you graduate.


by Julia Bermudez

Published on 08/13/2022

Loans for every student and flexible payment conditions

Earnest private student loan
Read this review to learn more about the Earnest Private Student loans. Source: The Post New.

If you need a little help to pay for your studies, check this Earnest Private Student Loan review and see if it works for you. They have a loan for every study modality, so check their benefits.

Earnest private student loan

How do you get Earnest Private Student Loan?

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

Earnest is a reliable lender, and you’ll find excellent repayment conditions and fair pricing. This review will show you the pros and cons of getting this student loan.

  • APR: 1.84% to 11.44% when variable, 3.22% to 12.78% when fixed.
  • Loan Purpose: Student loans: undergraduate, graduate, MBA, Medical School, Law School.
  • Loan Amount: From $1,000 up to the total cost of attendance
  • Credit Needed: At least 650 (good/excellent)
  • Terms: from 5 to 15 years
  • Origination Fee: No origination fee
  • Late Fee: No late payment fee
  • Early Payoff Penalty: No prepayment fee

Earnest Private Student Loan: is it a good student loan?

If you’re looking for flexibility, Earnest Private Student Loan is perfect for you. The repayment options are highly customizable.

Earnest demands a good or excellent credit score for its applicants. However, you have the chance to choose a co-signer to improve your chances of getting approved. 

They are pretty honest with you about private student loans. Earnest will encourage you to look for every alternative before applying for it.

Check if you’re eligible for a federal student loan and other types of financial aid, and if you still need some money, apply for an Earnest Private Student Loan.

It doesn’t matter if you’re a graduate or undergraduate. They have loan offers to fit everyone’s situation. It charges no fees, and the interest fees are pretty competitive. Get enrolled in autopay to get a discount on your interest rates.

Enjoy great customer service that’s available to help you with everything, from the application process to the repayment. 

Earnest Private Student Loan: should you get one?

student at library using laptop and making notes
Don’t let money prevent you from achieving your academic goals. Source: Adobe Stock.

Applying for a private student loan is a big deal. It will stick to you for many years, and choosing a bad one can put you in a bad situation with a big debt.

Earnest has great reliability, and the rates and payment conditions are water clear from start to finish.

Check the Earnest Private Studen Loans pros and cons because every review has to cover it.



  • Flexibility to pick your repayment conditions
  • Loan terms range from 5 to 15 years
  • Earnest has outstanding performance when it comes to customer reviews
  • You can skip one payment per year (it will be added to the end of your loan term)
  • The eligibility requirements are pretty clear, so you can avoid going through the credit check if you don’t fit the criteria.
  • They will match any competitor rate and give you an Amazon gift card worth $100 for it.


  • Requires a high credit score
  • Your co-signer will not be released before you finish paying back your loan
  • No pre-qualification option
  • Not available in the State of Nevada.

What is the required credit score?

Earnest is pretty clear about the eligibility requirements. If you (or your co-signer) don’t have a credit score that is at least 650, you will not get approved for this private loan. 

Earnest Private Student Loan application

The application process for the Earnest Private Student Loan and simple, and you’ll have full support to do it. It is online, but if you have any doubt, you can call and ask for step-by-step guidance. 

Earnest private student loan

How do you get Earnest Private Student Loan?

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

About the author  /  Julia Bermudez

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