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Earnest Student Loans vs Laurel Road Student Loans


 Laurel Road Student Loans
 Learn More
 

Earnest Student Loans

Laurel Road Student Loans

OFFER
Refinance Student Loans - Learn More

 

Benefits and Features

Variable APR5.89% - 9.74% (includes 0.25% autopay discount)
2.99%-6.42%
Fixed APR4.29% - 9.74% (includes 0.25% autopay discount)
3.5%-6.99%
Maximum Amount
$500,000
No maximum
Minimum Amount
$5,000
$5,000
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
Bachelor's 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
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
Varies case by case
Auto-Pay Interest Rate Reduction
Yes
Yes
Soft Credit Check
Yes
Yes
Unemployment Protection
Yes
Yes

Refinance Student Loans

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

Laurel Road: Pricing information from published website as of 03/18/2018


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