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Earnest Student Loans

Refinance Student Loans

    Highlights

    Variable APR
    5.89% - 9.74% (includes 0.25% autopay discount)
    Fixed APR
    4.29% - 9.74% (includes 0.25% autopay discount)
    Maximum Amount
    $500,000
    Minimum Amount
    $5,000
    Loan Term
    Custom term from 5 to 20 years (180 term options)
    State Residency
    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
    Associates or higher
    Income Requirements
    None
    Employment Requirements
    Must be employed or have an offer for a position to start within 6 months
    Interest Only Payments
    No
    Origination Fees
    None
    Prepayment Penalty
    None
    Can Use a Cosigner
    No
    Can Release a Cosigner
    Only on existing loans
    Auto-Pay Interest Rate Reduction
    Yes
    Soft Credit Check
    Yes
    Unemployment Protection
    Yes

Pricing information from published website as of 12/18/2024

 SoFi Student Loans
 Learn MoreLearn More
 

Earnest Student Loans

SoFi Student Loans

 

Benefits and Features

Variable APR5.89% - 9.74% (includes 0.25% autopay discount)5.74% - 9.99% APR (with AutoPay)
Fixed APR4.29% - 9.74% (includes 0.25% autopay discount)4.99% - 9.99% APR (with AutoPay)
Maximum Amount
$500,000
No maximum
Minimum Amount
$5,000
$5,000 (may be higher depending on state)
Loan TermCustom term from 5 to 20 years (180 term options)
5 to 20 years
State ResidencyMost 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
All states eligible
Degree Requirements
Associates or higher
Associates or higher
Income Requirements
None
None
Employment RequirementsMust be employed or have an offer for a position to start within 6 monthsMust be employed or have an offer to start within 90 days
Interest Only Payments
No
No
Origination Fees
None
None
Prepayment Penalty
None
None
Can Use a Cosigner
No
Yes
Can Release a Cosigner
Only on existing loans
No
Auto-Pay Interest Rate Reduction
Yes
Yes
Soft Credit Check
Yes
Yes
Unemployment Protection
Yes
Yes
 Learn MoreLearn More
 Terms Apply. SoFi Disclaimers

Earnest: Pricing information from published website as of 12/18/2024

SoFi: Pricing information from published website as of 5/9/2023


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Editorial Note: Any opinions, analyses, reviews or recommendations expressed on this page are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.

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