Earnest Student Loan Review 2026
Earnest is worth comparing if its 1.99%-14.05% rate range, fees, eligibility rules, and payment fit beat at least two competing offers.
Some partner links may compensate SwitchWize. Your final rate depends on your application.
Check your actual quote
An advertised APR is not enough to calculate payments and fees. Use your contractual interest rate and complete fee terms.
Compare entered quotesSwitchWize take
Student loan APR and cosigner fit
APR / rate
1.99%-14.05%
Payment
Estimate
Fees / points
Confirm
Credit assumption
Confirm
Compare the costs in your loan quotes
Use the contractual interest rate for payments. APR is a separate disclosure that can include fees. Blank charges remain unknown; enter $0 only when confirmed.
Payments are monthly and rounded to cents. The final payment clears the balance. Rates stay constant; HELOCs can change rates or require different draw payments. No additional draws are modeled.
The estimated yearly rate uses net cash, entered fees and scheduled payments over the full term. It does not verify or replace your lender's APR disclosure. The cost at your chosen date is a separate calculation.
Property tax, home insurance, tax deductions, appreciation and unknown charges are excluded. Vehicle operating costs and resale use only your entries. Property equity is value minus modeled debt.
Inputs stay in this form. They are not saved, put in links or sent to analytics. Changing an input clears the previous comparison.
CFPB: interest rate and APRApproval fit
Will this lender fit your scenario?
Student loan truth label
Loan details that actually decide fit
Pros & cons
No standout advantages in the data we track.
We could not verify: origination fee, credit-score requirement.
Derived from the current rate, fees, and terms we track for this product. Confirm the latest details on the provider’s site.
Best for
- Private student loan comparison
- Graduate school financing
- Strong-credit borrowers or cosigners
- Refinance shoppers checking APR spread
Not for
- Borrowers eligible for better federal protections
- Anyone who has not exhausted grants and federal aid
- Uncertain income after graduation
- Choosing only by low advertised APR
Decision checks
Compare before you apply
1.99%-14.05%
Payment depends on loan amount and term
Confirm final fees
Confirm credit, income, LTV, and property/vehicle/school rules
The low advertised APR usually assumes excellent credit and may require a cosigner. Compare the high end too.
Advertised APR ranges can be wide, and the best rates may require excellent credit or a cosigner.
Decision receipt
How to use this student loan review
Earnest belongs in your shortlist only if its final quote beats at least two competing offers.
Some approval or fee assumptions are missing, so treat this as observed-rate mode until the lender quote is final.
Use federal student loans first when protections matter; compare private loans only for remaining gaps or refinancing.
Comparison set