Earnest Student Loans
Refinance Student Loans
Compare Promotions
Highlights
Variable APR
5.88% - 9.99% (includes 0.25% autopay discount)
5.88% - 9.99% (includes 0.25% autopay discount)
Fixed APR
4.35% - 9.99% (includes 0.25% autopay discount)
4.35% - 9.99% (includes 0.25% autopay discount)
Maximum Amount
$500,000
$500,000
Minimum Amount
$5,000
$5,000
Loan Term
Custom term from 5 to 20 years (180 term options)
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
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
Associates or higher
Associates or higher
Income Requirements
None
None
Employment Requirements
Must be employed or have an offer for a position to start within 6 months
Must be employed or have an offer for a position to start within 6 months
Interest Only Payments
No
No
Origination Fees
None
None
Prepayment Penalty
None
None
Can Use a Cosigner
No
No
Can Release a Cosigner
Only on existing loans
Only on existing loans
Auto-Pay Interest Rate Reduction
Yes
Yes
Soft Credit Check
Yes
Yes
Unemployment Protection
Yes
Yes
Pricing information from published website as of 8/22/2025
 | ||
| Learn More | ||
Earnest Student Loans | Laurel Road Student Loans | |
|---|---|---|
Benefits and Features | ||
| Variable APR | 5.88% - 9.99% (includes 0.25% autopay discount) | |
| Fixed APR | 4.35% - 9.99% (includes 0.25% autopay discount) | |
| Maximum Amount | ||
| Minimum 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 for a position to start within 6 months | Must be employed or have an offer |
| 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 | ||
Earnest: Pricing information from published website as of 8/22/2025 Laurel Road: Pricing information from published website as of 03/18/2018 | ||
