Laurel Road Student Loans vs Earnest Student Loans
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Laurel Road Student Loans | Earnest Student Loans | |
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Refinance Student Loans - | ||
Benefits and Features | ||
Variable APR | 5.99% - 9.74% APR (includes 0.25% autopay discount) | |
Fixed APR | 5.19% - 9.74% APR (includes 0.25% autopay discount) | |
Minimum Amount | ||
Maximum Amount | ||
Loan Term | Custom term from 5 to 20 years (180 term options) | |
State Residency | Most states with the exception of: DE, KY, and NV and no variable rate loans to residents of: AK, IL, MN, NH, OH, TN and TX | |
Degree Requirements | ||
Income Requirements | ||
Employment Requirements | Must be employed or have an offer | Must be employed or have an offer for a position to start within 6 months |
Interest Only Payments | ||
Origination Fees | ||
Prepayment Penalty | ||
Can Use a Cosigner | ||
Can Release a Cosigner | ||
Auto-Pay Interest Rate Reduction | ||
Soft Credit Check | ||
Unemployment Protection | ||
CreditDonkey® Reviews | ||
Loan Term | ||
Customer Service | ||
Ease of Use | ||
Interest Rates | ||
Payment Flexibility | ||
Pros & Cons | Pros:
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Bottom Line | Merit-based lender with custom terms... | |
Laurel Road: Pricing information from published website as of 03/18/2018 Earnest: Pricing information from published website as of 11/28/2023 |