Loans/student/Earnest Student Loan
Student Loan

Earnest Student Loan

Earnest

4.6
(9,800 reviews)

11 Free Calculators

RSU tax, compensation optimizer, retirement planner, and more—all built for tech equity

99+ Company Guides

Detailed compensation breakdowns for Google, Meta, Amazon, Apple, Microsoft, and more

Updated Weekly

Real-time stock prices and regularly updated compensation data

Built for Engineers

Created by software engineers who understand RSUs, ISOs, and ESPP complexity

No Account Required

Use every calculator instantly—no signup, no email required, no data collected

100% Free

No paywalls, no premium tiers. Every tool is completely free to use

Loan Details at a Glance

APR Range

4.49% - 16.49%

Loan Amount

$1K - $250K

Loan Terms

5 - 15 years

Min. Credit Score

650

Overview

Earnest offers student loans with unmatched flexibility, including the ability to skip payments and customize monthly amounts.

Best for: Graduate students and those seeking maximum flexibility

Pros & Cons

Pros

  • Highly flexible repayment
  • Can customize payment amount
  • Skip a payment twice per year
  • No late fees

Cons

  • Good credit required
  • Longer processing time
  • Limited customer support

Key Features

  • Skip a payment option
  • Flexible payment amounts
  • No fees
  • Precision pricing
  • 9-month grace period

Common Uses

Tuition
Living expenses
Books
MBA programs

Frequently Asked Questions

Ready to Apply?

Soft credit check
No impact on credit score
7-14 business days

Checking rates won't affect your credit score

Loan Terms

Origination Fee:0%
Prepayment Penalty:None
Funding Speed:7-14 business days