Cosigned Private Student Loans
Earnest works harder to make student loans easy
Cosigning with Earnest
Apply now, share with your student later
You can start the application now on your computer, tablet, or phone, and easily share it with your student with a single click.
Quick 2-minute eligibility check before you apply.
Fast and convenient application. All your data stays safe with end-to-end encryption.
Increase your student’s chances of approval by as much as 5X.
Help your student get potentially lower interest rates. Check out our rates below.
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Earnest Benefits
Designed for flexible repayment
We believe in guiding applicants towards financial responsibility. That’s why 80% of our clients opt for at least
, which could help them save thousands of dollars over the life of the loan.
, that’s 3 months longer than most of our competitors
No fees, including late payment, disbursement, or origination fees
4 repayment options
An in-house team of experts that have the power to solve your problems
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Let's Talk
Application help and so much more
Questions or concerns? Our in-house Client Happiness team has the power to solve your problems and set you up for success. We can even assist you in submitting your application over the phone.
You can reach us via email and web chat; if you prefer to speak to a real person call between 5 am-5 pm PST, Monday-Friday, at (888) 601-2801.
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Compare Fixed Interest Rates
Cosigners add up to low rates
Applying with a cosigner could unlock lower rates and help your student save over the life of their loan. See the difference for yourself.
Cosigner
3.47%APR
Independent
5.17%APR
These are our lowest fixed interest starting rates and contain our .25% Auto Pay discount from a checking or savings account. Some borrowers may see higher rates based on their credit.
Read our cosigner checklist
Before you apply, have your student submit the FAFSA to take advantage of all free financial aid programs, grants, and scholarships. Calculate the future loan payments and your student’s potential salary to ensure they will be able to afford payments. When you’re ready, review our cosigner checklist and read our eligibility guide.
Get the FAQs about cosigning a student loan
Have more questions? Visit the Help Center.