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Laurel Road Student Loans vs Earnest Student Loans

Laurel Road is a good option to maintain your federal loan grace period. How does it compare to Earnest? Read our comparison chart below.

Laurel Road offers some of the most competitive refinance rates. There is no cap on the amount you can refinance, so it's a good choice for professionals who got a MBA, medical, or law degree. Minimum $5,000 in loans to be eligible.

While Earnest sets itself apart by taking a more personalized approach to lending. Instead of just looking at your credit score, Earnest also considers your job, savings habits, and how you handle finances. It offers flexibility in payments, with the option to switch between fixed and variable rates. You also can skip a payment every 12 months without penalty. Minimum $5,000 in loans to be eligible.

Compare Laurel Road with Earnest, side-by-side. Read on for an in-depth look, including ratings, reviews, pros and cons.

 Laurel Road Student LoansEarnest Student Loans
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Laurel Road Student Loans

Earnest Student Loans

Refinance Student Loans - Learn More

Read Earnest Review


Benefits and Features

Variable APR
1.99% - 6.43% (includes 0.25% autopay discount)
Fixed APR
3.19% – 6.43% (includes 0.25% autopay discount)
Minimum Amount
Maximum Amount
No maximum
Loan Term
5 to 20 years
Custom term from 5 to 20 years (180 term options)
State Residency
All states eligible
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
Bachelor's or higher
Associates or higher
Income Requirements
Employment RequirementsMust be employed or have an offerMust 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
Varies case by case
Only on existing loans
Auto-Pay Interest Rate Reduction
Soft Credit Check
Unemployment Protection

CreditDonkey® Reviews

 Laurel Road Student LoansEarnest Student Loans
Customer Service
Loan Term
Ease of Use
Interest Rates
Payment Flexibility
Pros & ConsPros:
  • Low repayment options for medical residency
  • Keep federal grace period
  • Forgiveness is available due to disability
  • No mobile app
  • Forbearance options are on a case-by-case basis
  • Looks beyond your credit score
  • Custom term based on budget
  • Option to skip one payment every 12 months
  • Tougher requirements
  • No co-signer option
Bottom LineGood option to maintain your federal loan grace period... Read full reviewMerit-based lender with custom terms... Read full review
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Refinance Student Loans

What Others View

    Laurel Road: Pricing information from published website as of 03/18/2018

    Earnest: Pricing information from published website as of 06/15/2020

    Which is Better: Laurel Road or Earnest?

    Still need help deciding which student loans is better? Read the in-depth reviews below. You may also be interested in comparing Laurel Road or CommonBond.

    In short: Earnest's interest rates is outstanding.

    Articles on Laurel Road Student Loans

    Articles on Earnest Student Loans

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