- Earnest Student Loans Overview: Earnest is a fintech lender offering private student loans and refinancing, known for flexible terms, zero fees, and a strong digital experience, although it is owned by Navient, which has faced some reputational issues.
- Pros and Cons of Earnest Student Loans: Earnest boasts zero fees, a lengthy 9-month grace period, a skip-a-payment feature, rate-match guarantee, and competitive rates, but lacks co-signer release options and is unavailable in some states, with some reputational baggage due to its ownership.
- Earnest Rates and Fees: Earnest offers fixed APRs from 2.79% to 16.49% and variable APRs from 4.99% to 16.85%, with no origination or late fees, and rates vary based on creditworthiness and loan terms.
- Earnest In-School Repayment and Loan Terms: The lender provides four in-school repayment options, a 9-month grace period—the longest in the review—and flexible terms from 5 to 15 years, with additional benefits like forbearance and deferment options.
- Who Is Earnest Best For?: Earnest is ideal for graduate and professional students with strong credit, those seeking flexible, fee-free loans, borrowers needing a long grace period, and international students with U.S. co-signers, but less suitable for families needing co-signer release or those at for-profit schools.
Earnest Student Loans Overview
Earnest is a technology-driven fintech lender headquartered in San Francisco (servicing operations in Oakland) that offers private student loans and student loan refinancing. Founded in 2013 by Louis Beryl (ex-Andreessen Horowitz) and Benjamin Hutchinson (ex-HM Treasury), the company was built on the premise that creditworthy borrowers deserved more flexible lending options than traditional banks provided. Earnest launched its student loan refinancing product in 2015 and expanded into new private student loans for undergraduates and graduates. In October 2017, Navient Corporation (Nasdaq: NAVI) acquired Earnest for $155 million. Earnest continues to operate as a distinct brand under Navient’s umbrella.
Earnest’s private student loans are originated by One American Bank and FinWise Bank (both FDIC members) and serviced by Earnest Operations LLC with support from MOHELA. According to Navient’s Q4 2025 earnings report, Earnest originated $401 million in in-school student loans in 2025, its highest-ever level, alongside $2.1 billion in refinancing volume. Navient projects $219 million in total Earnest revenue and $75 million in operating profit for 2025, with over 375,000 unique customer relationships. While Earnest’s in-school lending volume is a fraction of Sallie Mae’s $7.4 billion, the company has carved out a niche among creditworthy borrowers who prioritize flexibility, zero fees, and a streamlined digital experience.
For this review, we evaluated Earnest’s undergraduate and graduate private student loan products across our six-category scoring framework. The company earns strong marks for its zero-fee structure (no origination, late, or prepayment fees), competitive rate floor, 9-month grace period, skip-a-payment benefit, rate-match guarantee, and excellent consumer reviews. Its primary weaknesses are the lack of a co-signer release option, restricted school eligibility (Title IV four-year institutions only), unavailability in Nevada, and the reputational complexity of Navient ownership. Borrowers should, as always, exhaust federal loan options before considering any private student loan.
Pros and Cons of Earnest Student Loans
Pros
- Zero fees across the board. Earnest charges no origination fee, no prepayment penalty, no late fee, and no returned payment fee. It is one of the only major private student lenders to charge zero late fees, which removes a financial penalty for borrowers who experience a temporary cash flow issue (though late payments may still be reported to credit bureaus).
- 9-month grace period. Earnest offers a 9-month grace period after graduation or dropping below half-time enrollment, three months longer than the industry standard of 6 months. This gives graduates additional time to find employment and stabilize their income before payments begin.
- Skip-a-payment benefit. Eligible borrowers can skip one monthly payment per year without penalty. The benefit is processed as a one-month forbearance, and the borrower must have made at least 6 consecutive on-time payments with the loan in good standing. Interest continues to accrue during the skipped month.
- Rate-match guarantee. Earnest will match any competitor’s lower rate on a private student loan offer and provide a $100 Amazon gift card once the rate match is finalized. This effectively eliminates the risk of choosing Earnest and later finding a better rate elsewhere.
- Four in-school repayment options. Borrowers can choose deferred payments, a flat $25/month, interest-only payments, or full principal and interest payments while in school. The interest-only and full payment options are available only for co-signed loans.
- Competitive rate floor. Fixed APRs start at 2.79% with autopay and a co-signer (3.04% without autopay), which is among the lowest in the market. Graduate borrowers in professional programs (JD, MBA, MD, DDS, DO, DVM, PharmD) with loan balances above $100,000 may qualify for rates as low as 4.37%.
- Soft-pull prequalification. Borrowers can check their eligibility and estimated rates with a soft credit inquiry that does not affect their credit score, allowing comparison shopping before committing.
Cons
- No co-signer release. Earnest does not offer co-signer release under any circumstances. The only way to remove a co-signer is to refinance the loan into the borrower’s name alone, which requires qualifying independently. This is a significant disadvantage compared to competitors like Sallie Mae (12 months), College Ave (half of a term), and Citizens (36 months).
- Not available in Nevada. Earnest does not originate private student loans in Nevada. Variable-rate loans are additionally unavailable in Alaska, Illinois, Minnesota, Mississippi, New Hampshire, Ohio, Tennessee, and Texas.
- Restricted school eligibility. Earnest only serves students enrolled at least half-time at Title IV, not-for-profit, four-year institutions. Students at community colleges, trade schools, vocational programs, or for-profit schools are not eligible, which narrows the borrower pool compared to Sallie Mae’s broader coverage.
- Navient ownership carries reputational baggage. Navient’s $1.85 billion state AG settlement (2022) and $120 million CFPB consent order (2024) for federal loan servicing failures are well-documented. In July 2025, Earnest Operations LLC itself agreed to a $2.5 million settlement with the Massachusetts AG over allegations that its AI underwriting models resulted in disparate impact on Black, Hispanic, and non-citizen applicants. Earnest denied the allegations but agreed to implement new AI governance protocols.
- Higher rates without a co-signer. Borrowers applying without a co-signer see fixed rates starting at 4.49% APR (with autopay) rather than 2.79%, a difference of 1.7 percentage points. Term options are also reduced to 10, 12, or 15 years without a co-signer (vs. 5, 7, 10, 12, or 15 years with one).
- High rate ceiling. Fixed APRs can reach 16.49% and variable APRs 16.85%, which is near the top of the market. Borrowers with weaker credit profiles may receive offers well above the market average.
Earnest
Earnest earns a 4.0 out of 5.0 and is our pick for graduate students because of its 9-month grace period, the longest in our review series. That extra three months beyond the standard six gives new professional-degree graduates meaningful breathing room before payments begin, which is especially valuable for borrowers in residency, fellowship, or early-career transitions where income may be delayed.
The skip-a-payment feature, which allows one payment deferral per 12-month period during repayment, adds flexibility that no other lender in this series matches. Earnest also uses precision pricing that considers factors beyond credit score alone, potentially resulting in lower rates for borrowers with strong financial profiles. Five repayment terms (5, 7, 10, 12, or 15 years) provide granular control over monthly payment sizing.
Earnest also offers refinancing under the same brand, making it one of only a few lenders where borrowers can maintain a single lending relationship from enrollment through post-graduation rate optimization. The co-signer release timeline is 24 months, which is standard. The main limitations are a rate ceiling of 16.49% (higher than nonprofit alternatives) and no special products for international or no-cosigner borrowers.
- Fixed APR: 4.39% – 16.49% | Variable APR: 5.04% – 16.44%
- 9-month grace period, the longest in this review series
- Skip-a-payment feature: defer one payment per 12-month period
- Refinancing available under the same brand for post-graduation optimization
- Co-signer release after 24 consecutive on-time payments
Earnest Rates and Fees
Earnest’s undergraduate fixed APR ranges from 2.79% to 16.49%, and its variable APR ranges from 4.99% to 16.85%, both inclusive of the 0.25 percentage point autopay discount. For borrowers applying without a co-signer, fixed rates start at 4.49% APR (with autopay). These ranges are based on Earnest’s rate disclosures effective as of February 2026. The lowest rates require the shortest term (5 years), full principal and interest repayment during school, a co-signer, and excellent credit.
Variable rates are tied to the 30-day Average Secured Overnight Financing Rate (SOFR) plus a margin between 2.44% and the maximum disclosed. The rate adjusts monthly, and there is no cap on how much the rate can increase in a single adjustment, though it can only increase once per month. In the current rate environment (early 2026, with SOFR in the mid-4% range), variable rates start slightly above fixed rates for the best-qualified borrowers, which reduces the incentive to take on variable-rate risk for most borrowers.
Earnest’s fee structure is the cleanest in the private student loan market. The lender charges no origination fee, no prepayment penalty, no late fee, and no returned payment fee. While the absence of late fees is a borrower-friendly feature, Earnest notes that late payments may still be reported to credit bureaus and can damage the borrower’s and co-signer’s credit scores. The only discount available is the 0.25 percentage point autopay reduction, which applies during active repayment when payments are successfully debited each month. The autopay discount is not available during deferment.
Sample Cost Comparison: $30,000 Earnest Loan
Scenario | Monthly Payment | Total Interest | Total Cost |
Fixed 6.0%, 10-yr | $333 | $9,967 | $39,967 |
Fixed 6.0%, 15-yr | $253 | $15,563 | $45,563 |
Fixed 10.0%, 10-yr | $397 | $17,583 | $47,583 |
Fixed 10.0%, 15-yr | $322 | $27,985 | $57,985 |
Variable 5.5%, 10-yr* | $326 | $9,076 | $39,076 |
Variable 5.5%, 15-yr* | $245 | $14,134 | $44,134 |
*Variable rate scenarios assume the starting rate remains constant for illustration purposes. Actual payments will fluctuate with index rate changes.
Earnest In-School Repayment and Loan Terms
Earnest offers four in-school repayment options for its private student loans. The deferred repayment option requires no payments during school or the grace period, but unpaid interest capitalizes at the end of the grace period (except for Michigan residents under the Regulatory Loan Act of 1963). The fixed $25/month option reduces total cost compared to full deferral by keeping some interest from capitalizing. The interest-only option prevents capitalization entirely by covering all accruing interest monthly and is available only on co-signed loans. The full principal and interest option begins full repayment immediately and produces the lowest total cost; it is also available only on co-signed loans. Borrowers who choose immediate repayment qualify for the lowest interest rates.
Loan amounts range from $1,000 up to 100% of the school-certified cost of attendance minus other financial aid. Earnest does not impose a hard lifetime cap; instead, aggregate limits are evaluated based on degree type and creditworthiness. Repayment terms are 5, 7, 10, 12, or 15 years for co-signed loans, and 10, 12, or 15 years for borrowers without a co-signer. Graduate students applying without a co-signer may also access the 5 and 7-year terms. The 9-month grace period after graduation or dropping below half-time enrollment is the longest among major private student lenders (most offer 6 months). The grace period is not available for borrowers who select the full principal and interest repayment plan.
For borrowers facing financial difficulty after entering repayment, Earnest offers forbearance in 3-month increments, up to a total of 12 months over the life of the loan. The skip-a-payment benefit counts toward this forbearance limit. Interest continues to accrue during forbearance. Borrowers in medical residencies, internships, or fellowship programs can defer payments for up to 48 months. Earnest discharges loans in the event of the borrower’s death or total and permanent disability. Co-signer loans are also discharged if the co-signer dies or becomes permanently disabled. Students must reapply for a new loan each academic year.
Earnest Co-signer Policies
Earnest strongly encourages applicants to apply with a co-signer, but does not require one. According to the company, students are five times more likely to be approved with a co-signer and will generally receive lower interest rates. Co-signer requirements include a minimum FICO score of 650, at least three years of credit history, no history of bankruptcy, and a minimum annual income of $35,000. International students (including DACA recipients) can apply with a co-signer who is a U.S. citizen or permanent resident.
Earnest does not offer co-signer release. This is the most significant gap in its product offering compared to competitors. The only path to removing a co-signer from an Earnest loan is for the primary borrower to refinance the loan, either with Earnest or another lender, and qualify independently. Earnest does offer refinancing, so borrowers can eventually refinance their Earnest student loan into their own name if they meet the refinancing eligibility criteria (minimum 665 FICO, steady income, no bankruptcies). For families where co-signer release is a priority, competitors like Sallie Mae (12 months), College Ave (half of term), or Citizens (36 months) are better suited.
Earnest Eligibility and Application Process
To qualify for an Earnest private student loan, the borrower must be the age of majority in their state, enrolled at least half-time at an eligible Title IV, not-for-profit, four-year institution, and be a U.S. citizen, permanent resident (10-year non-conditional), asylee, or DACA recipient. International students without U.S. residency can apply with a U.S. citizen or permanent resident co-signer. Earnest’s eligibility requirements specify a minimum FICO score of 650 for the borrower or co-signer. The minimum income requirement is $35,000 per year for the primary borrower or co-signer.
Earnest is not available in Nevada. Variable-rate loans are additionally unavailable in Alaska, Illinois, Minnesota, Mississippi, New Hampshire, Ohio, Tennessee, and Texas. School eligibility is limited to Title IV-accredited, not-for-profit, four-year schools. Students at community colleges, trade schools, vocational programs, or for-profit institutions are not eligible. This is a narrower footprint than Sallie Mae (which covers career training and vocational schools) and some other lenders.
The application process begins with a soft-pull prequalification that provides estimated rates without affecting the applicant’s credit score. The full application is completed online and includes a hard credit inquiry. Earnest uses a data-driven underwriting approach that considers factors beyond credit score, including education, income, savings patterns, and financial behavior. Credit decisions are typically delivered within minutes for straightforward applications, or within one to three business days if additional review is needed.
Earnest Funding Speed and Disbursement
Earnest’s application-to-disbursement timeline follows the standard private student loan process: prequalification (soft pull), full application (hard pull), credit decision, school certification, and disbursement. The credit decision is typically delivered within minutes. After approval, the borrower selects their rate type, term, and in-school repayment option.
The loan is then sent to the school’s financial aid office for certification, which confirms the borrower’s enrollment status, cost of attendance, and other financial aid. School certification timelines vary by institution and season; during peak enrollment periods (July through September), certification can take one to three weeks. After certification, Earnest disburses funds directly to the school. Any amount exceeding the school’s direct charges is refunded to the student by the school. Interest begins accruing at disbursement, regardless of the in-school repayment option selected. Borrowers should apply at least three to four weeks before tuition is due to allow for certification and processing.
Earnest Customer Experience
Earnest’s customer experience is among the strongest in the private student loan market. The company’s Trustpilot rating is 4.5 out of 5.0 based on approximately 7,500 reviews, with a majority of ratings in the “Excellent” category. Borrowers consistently praise the simplicity of the application process, the responsiveness of Earnest’s in-house “Client Happiness” team, and the transparency of loan terms.
On the BBB, Earnest holds an A+ rating (accredited since 2018). BBB consumer reviews average 1.13 out of 5 stars, though this is based on a very small sample (8 reviews) and reflects a common pattern where BBB reviews skew negative relative to higher-volume platforms like Trustpilot. The CFPB received 38 student loan-related complaints about Earnest in 2025 (per U.S. News) and 68 in 2024 (per Education Data Initiative). For context, Sallie Mae received 369 complaints in 2024, while College Ave received 32. All Earnest complaints were closed with an explanation in a timely manner.
Customer support is available by phone and online chat Monday through Friday, 5 a.m. to 5 p.m. PT. An email contact form is also available. Earnest handles all servicing in-house rather than outsourcing to a third-party servicer, which provides continuity throughout the loan’s life. The company also operates Going Merry by Earnest, a scholarship search and financial aid platform, though it does not offer the career services or financial wellness programs that SoFi provides.
Earnest Financial Strength and Reputation
Earnest is an indirect majority-owned subsidiary of Navient Corporation (Nasdaq: NAVI). Earnest’s loans are originated through One American Bank and FinWise Bank (both FDIC-insured members) and serviced by Earnest Operations LLC with support from MOHELA. Navient reported that Earnest originated $2.5 billion in total loans in 2025 ($2.1 billion in refinancing plus $401 million in in-school loans). Navient projects Earnest will generate $219 million in revenue and $75 million in operating profit. The company has served over 375,000 unique customers and plans to add 40,000 new customer relationships in 2026.
The reputational picture is complicated by Navient’s history. Navient’s $1.85 billion state attorneys general settlement (2022) and $120 million CFPB consent order (2024) both related to federal student loan servicing practices that predated the Earnest acquisition. However, Earnest itself faced scrutiny in July 2025 when the Massachusetts Attorney General secured a $2.5 million settlement over allegations that Earnest’s AI-powered underwriting models produced disparate impacts on Black, Hispanic, and non-citizen applicants. The AG alleged Earnest used a “Knockout Rule” that automatically denied applicants based on immigration status and incorporated the federal Cohort Default Rate (which correlates with minority-serving institutions) without testing for bias. Earnest denied all allegations and agreed to the settlement to resolve the matter, committing to implement new AI governance protocols, fair lending testing, and compliance reporting.
Despite the Navient connection, Earnest has maintained its own brand identity, consumer-facing operations, and customer service infrastructure. Borrowers interact with Earnest, not Navient, throughout the loan lifecycle. The company’s Trustpilot rating (4.5/5.0) suggests that the Navient parentage has not materially degraded the borrower experience.
Who Is Earnest Best For?
Good Fit
- Graduate and professional students with strong credit. Earnest offers dedicated loan products for MBA, law, medical, dental, health professions, and international graduate students. Borrowers with loan balances above $100,000 in professional programs may qualify for lower rates (as low as 4.37% fixed).
- Borrowers who want zero fees and maximum flexibility. Earnest’s no-fee structure (including no late fees), combined with the skip-a-payment benefit, 9-month grace period, and rate-match guarantee, provides a uniquely borrower-friendly package.
- Rate shoppers who want to compare before committing. Soft-pull prequalification and the rate-match guarantee let borrowers comparison shop across multiple lenders without risk.
- Borrowers who plan to refinance after graduation. Since Earnest offers both new student loans and refinancing, borrowers can potentially stay within the Earnest ecosystem for both products. Refinancing also provides the only path to removing a co-signer.
- DACA recipients and international students with a qualifying co-signer. Earnest explicitly serves DACA borrowers and international students who have a U.S. citizen or permanent resident co-signer.
Not the Best Fit
- Families who need a co-signer release. Earnest does not offer co-signer release. Sallie Mae (12 months), College Ave (half of term), and Citizens (36 months) are better options for families where releasing the co-signer is a priority.
- Students at community colleges, trade schools, or for-profit institutions. Earnest only serves Title IV, not-for-profit, four-year schools. Sallie Mae covers a broader range of school types, including career training and vocational programs.
- Borrowers in Nevada, or those who want variable rates in restricted states. Earnest is unavailable in Nevada and does not offer variable rates in eight additional states.
- Borrowers without a co-signer who want the lowest rates. Rates without a co-signer start at 4.49% fixed (vs. 2.79% with a co-signer), and term options are reduced to 10, 12, or 15 years.
How to Apply for an Earnest Student Loan
- Exhaust federal options first. Complete the FAFSA and review your federal loan award (Direct Subsidized, Direct Unsubsidized) before considering private loans. Accept all federal aid you are offered.
- Check your rates with prequalification. Visit earnest.com and use the soft-pull prequalification tool to see estimated rates and terms without affecting your credit score.
- Complete the full application. Provide personal information, school details, loan amount, and co-signer information (if applicable). The co-signer receives an invitation to complete their portion via email or SMS.
- Receive your credit decision. Earnest typically returns a decision within minutes. This involves a hard credit inquiry. If additional review is needed, the decision may take 1-3 business days.
- Select your rate type, term, and repayment option. Choose fixed or variable rate, your repayment term (5-15 years), and your in-school repayment plan (deferred, $25/month, interest-only, or full payment).
- School certification. Earnest sends the loan to your school’s financial aid office for certification. The school confirms enrollment, cost of attendance, and other aid.
- Disbursement. Funds are sent directly to your school. Any excess above direct charges is refunded to you by the school. Enroll in autopay for the 0.25% rate discount.
How Earnest Compares
Feature | Earnest | Sallie Mae | College Ave |
Fixed APR (w/ autopay) | 2.79% – 16.49% | 2.89% – 17.49% | 2.74% – 17.99% |
Variable APR (w/ autopay) | 4.99% – 16.85% | 3.75% – 16.37% | 3.89% – 17.99% |
Origination Fee | None | None | None |
Late Fee | None | $25 max | $25 max |
Loan Amounts | $1K – COA | $1K – COA | $1K – COA |
Repayment Terms | 5-15 years | 10 or 15 years | 5, 8, 10, or 15 years |
Co-signer Release | Not available | 12 months | Half of the term |
In-School Options | 4 (defer, $25, interest, full) | 3 (defer, $25, interest) | 4 (defer, $25, interest, full) |
Grace Period | 9 months | 6 months | 6 mo. (extendable to 12) |
Soft Pull Prequalification | Yes | No | Yes |
Refinancing Available | Yes | No | Yes |
Final Verdict on Earnest Student Loans
Earnest earns a 4.0 out of 5.0 in our scoring framework, placing it in the top tier of private student lenders. Its strengths are distinctive: a completely fee-free structure (the only major lender with no late fees), a 9-month grace period, a skip-a-payment benefit, a rate-match guarantee, four in-school repayment options, soft-pull prequalification, and the strongest consumer satisfaction scores in the market (Trustpilot 4.5/5.0). For graduate and professional students with strong credit or undergraduates with a co-signer who value flexibility and transparency, Earnest is an excellent choice.
The limitations are real. The absence of co-signer release is a meaningful gap for families who want to eventually free the co-signer from liability without refinancing. School eligibility is narrower than that of competitors who serve trade and vocational schools. Navient ownership and the 2025 Massachusetts AG settlement add reputational complexity. And borrowers without a co-signer face significantly higher rates and fewer term options. Shoppers should compare Earnest’s prequalified rates against Sallie Mae (for broader school coverage and fast co-signer release), College Ave (for four term lengths and extendable grace), and credit unions like ISL Education Lending (for potentially lower rate ceilings).
Before applying for any private student loan, including Earnest, borrowers should exhaust all federal student loan options. Federal Direct Subsidized and Unsubsidized Loans carry fixed rates set by Congress (currently 6.53% for undergraduates and 8.08% for graduates in the 2025-2026 academic year), offer income-driven repayment plans, and provide access to Public Service Loan Forgiveness and other protections that no private lender matches. Private loans should fill the gap after federal aid, savings, grants, and scholarships have been maximized.
Methodology
This review scores Earnest across six weighted categories: Rates & Fees (25%), Loan Terms & Repayment Flexibility (20%), Eligibility & Accessibility (20%), Speed & Application Process (15%), Customer Experience (10%), and Transparency & Reputation (10%). Data was sourced from Earnest’s website and rate disclosures, Navient investor presentations, the CFPB Consumer Complaint Database, BBB and Trustpilot profiles, the Massachusetts Attorney General’s settlement filing, and app store ratings.
Frequently asked questions
Answers to your questions about Earnest student loans.
Earnest requires a minimum FICO score of 650 for the primary borrower or co-signer. The co-signer must also have at least three years of credit history, no history of bankruptcy, and a minimum annual income of $35,000. The most competitive rates are reserved for borrowers with scores in the high 700s.
Checking your rates through Earnest’s prequalification tool uses a soft credit inquiry, which does not affect your credit score. Submitting a full application triggers a hard inquiry, which may temporarily lower your score by a few points.
Credit decisions are typically delivered within minutes. After approval, the loan is sent to your school for certification, which can take several days to a few weeks, depending on the institution and time of year. Total time from application to disbursement is typically one to three weeks.
No. Earnest does not offer co-signer release. The only way to remove a co-signer is to refinance the loan into the borrower’s name alone. Earnest does offer refinancing, which requires a minimum credit score of 665 and steady income.
Earnest offers forbearance in 3-month increments, up to 12 months total over the life of the loan. The skip-a-payment benefit allows eligible borrowers to skip one payment per year (counts toward the forbearance limit). For borrowers in medical residencies, internships, or fellowship programs, deferment is available for up to 48 months. Contact Earnest before you miss a payment to discuss options. There is no late fee, but late payments may be reported to credit bureaus.
Yes. Navient Corporation acquired Earnest in 2017 for $155 million. Earnest operates as a separate brand with its own customer service team, website, and product development. Navient’s regulatory issues (the $120 million CFPB settlement in 2024) relate to federal loan servicing practices that are separate from Earnest’s private student loan business.
Fixed rates provide predictable payments over the life of the loan. Variable rates are tied to SOFR and can change monthly with no cap on individual adjustments. In the current rate environment (early 2026), the gap between Earnest’s fixed and variable floor rates is approximately 2.2 percentage points (2.79% fixed vs. 4.99% variable), which favors fixed rates for most borrowers. Variable rates are also unavailable in eight states.
Yes. Earnest offers dedicated loan products for graduate school, MBA, medical school, dental school, law school, and health professions. International graduate students can apply with a U.S. citizen or permanent resident co-signer. Professional program borrowers with balances above $100,000 may qualify for reduced rates. See Earnest’s eligibility page for details.
