Direct lenderNo compensation relationship
Earnest student-loan research profile
Digital private student loans and refinancing with multiple published repayment structures. This profile organizes public information; it does not quote a rate, predict eligibility, or recommend a universal winner.
Verified September 11, 20265 official sourcesTerms can change
Evidence ledger
Public terms, normalized.
“Not disclosed” means we did not find a clear statement in the reviewed primary source. It never means zero or unavailable.
| Field | What the reviewed source says | Evidence |
|---|---|---|
| Provider model | Direct lender | Undergraduate loans → |
| Published product types | Undergraduate, Graduate, Parent, Professional, Refinance | Undergraduate loans → |
| Rate types | Fixed and Variable | Undergraduate loans → |
| Published repayment terms | 5, 7, 10, 12, 15 years | Undergraduate loans → |
| Fees | No origination fee or prepayment penalty; verify other fee categories. | Undergraduate loans → |
| Cosigner release | A release option is published, but exact timing and current approval conditions should be verified before applying. | Undergraduate loans → |
| Independent borrowing | Possible if the borrower qualifies independently. | Undergraduate loans → |
| International borrowers | Published path with a creditworthy U.S. citizen or permanent-resident cosigner and U.S. address. | Undergraduate loans → |
| Soft rate check | Conditional or incompletely standardized; verify the exact application step. | Undergraduate loans → |
| Hardship support | The cited help center describes up to 12 months of lifetime hardship forbearance, subject to eligibility. | Hardship forbearance → |
| Loan limits | $1,000 minimum ($1,501 in Hawaii), up to annual cost of attendance, with a published $400,000 lifetime maximum. | Loan limits → |
What requires live verification
Current APR, personalized offers, approval, school and state availability, discounts, and final product eligibility must be confirmed directly with Earnest. College Loan Finder has no compensation relationship with this provider as of September 11, 2026.
Primary sources
Sources were checked during the September 11, 2026 review. Provider terms and federal rules can change.