Fixed APR
Variable APR
Easy Rate Check


3.89% - 6.32%
2.47% - 5.87%

Snowball's Take

Earnest is best for those who want more flexible and customizable terms and repayment options

Other Perks

Ability to choose loan term down to the month, Ability to have payment flexibility (skip a payment and spread across remaining loan payments, extend a payment date by 7 days)


Servicer in-house
Easy Rate Check Yes
Forbearance Yes, up to 12 months
Eligible Loans Federal, Parent Plus, Private
Available Terms 5 Years, 10 Years, 15 Years, 20 Years, 6 Years, 7 Years, 8 Years, 12 years
Loan Balance Min $5,000.00
Minimum Credit 650
Origination Prepayment Fees none
Origination Prepayment Fees Bachelor Degree