While Earnest doesn’t offer scholarships or grants directly, they have the Earnest More Than a Scholarship Fund. This annual competition awards $25,000 to students who showcase their passion, purpose, and drive.

Earnest goes beyond the credit score. They consider your income, employment history, and education to assess your overall financial stability. This means even if you’re a recent grad with a not-so-good credit score, you could snag a surprisingly low rate.

Yes! Earnest offers both parent and cosigner loans. Parents can get a loan directly to help you cover costs, while cosigners lend their good credit to improve your approval odds and potentially lower your rate. It’s a team effort!

Yes, Earnest is all online, from application to funding. You can submit documents, track progress, and even manage your loan with their user-friendly app. No need to brave the bank queues to manage your loan.