If you are looking at how to get a loan for an upcoming tuition payment, if you're refinancing student loans or if you're getting a personal loan for a big purchase, this guide will give you the information you need to decide if choosing Earnest is a smart financial move. Loan amount Minimum of $1,000 (higher in some states) and up to the full cost of attendance at an accredited Title IV, not-for-profit 4-year school Loan types Cosigned and independent student loans Repayment term 5 to 15-year repayment options available, beginning while in school and after graduation APR Variable rates start at 4.59% (as of 11/10/25) with autopay Fixed rates start at 2.89% (as of 11/10/25) with autopay Credit needed 650+ Earnest offers student and parent PLUS loan refinancing options, enabling you to…