Earnest Student Loans

International NBFC


7 days Loan Processing Time




Processing Fees

Processing Fees





Non Collateral

Non Collateral

Upto 80 lakhs*

Repayment Tenure

Repayment Tenure

Upto 10 Years

Cosiger Needed

Cosiger Needed


Collateral Loans


Non Collateral Loans

Up to 80 lakhs

Features of Earnest
Student Loans

Earnest is a merit-based moneylender with a mission of making higher education affordable and accessible for all. They are a founding member of the Fintech Equality Coalition, an organisation that is focused on redesigning a more inclusive and equitable financial ecosystem.

Loan Margin: NA

Processing Fees: 0% onwards

FeaturesEducation Loan Details
Loan amount

Upto ₹80 lakhs (Non Collateral)

Margin money


Interest rate


Processing fee


Processing time

7 days

Loan tenure

Upto 10 Years

Prepayment charges

No Charges*

Countries covered

USA only


Course Duration + 6 months

Benefits of Earnest Student Loans

  1. Customised repayment terms

    Earnest allows you to choose your repayment terms as per your ease through a flexible process.

  2. Skip a payment

    If deemed necessary, Earnest allows skipping of a payment once every 12 months.

  3. Longer grace period

    Earnest provides a 9 month grace time, 3 months longer than the average lender terms.

  4. Adjustable payment date

    You can push back your recurring payment date by seven days or move it up early through Earnest Finance flexible terms.

How To Apply For Earnest

Student Loans For International students?

  1. Fill out the form on our website and our team of experts will schedule a call as per your convenience. At Lorien, we make sure that all your doubts and questions are addressed before going ahead with the loan application process.

  2. Our team assists you throughout, from uploading your documents online to submitting them to the banks, ensuring you're supported every step of the way.

  3. Once your documents are uploaded, you can look forward to your loan being approved within a few working days.

Why Choose Lorien To Get Education Loan From Earnest?

  1. Best loans at unbeatable interest rates: Lorien Finance strives to bring you the best possible deals when it comes to student loans. Our experts negotiate on your behalf to get education loans at the lowest possible interest rates.

  2. Effortless Process: All you need to do is fill out the form on Lorien Finance’s website. Yes, it’s that simple! Our team will take it up from there, making it a hassle-free process for you.

  3. 100% Free Assistance: Lorien doesn’t charge any processing fee or commission for student loans for your study abroad journey!

  4. Quicker Loans: With constant application tracking and status updates, our experts ensure that your education loan for studying abroad is sanctioned as early as possible.

  5. Higher chances of approval: In case of any missing documents or other issues, Lorien’s team promptly reaches out to the bank to find solutions. This, in turn, increases your chances of getting a study loan for your overseas education.

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Eligibility Criteria For Earnest Education Loan Abroad

  1. Eligibility Criteria for Candidates:

    1. The applicant must be an Indian citizen.
    2. The applicant must be a full-time student at an accepted college or university.
    3. The applicant must borrow a minimum loan amount of US $1,000.
    4. The applicant must have a credit score of at least 650.
    5. The applicant must have a credit history of three years without any collections or bankruptcies.
    6. The applicant must have an annual income of at least US $35,000.
  2. Eligible Countries:

    1. USA
  3. Documents Required

  4. International Student:

    1. Admission letter
    2. Identification Proof (Aadhaar card, PAN Card)
    3. Valid Passport
    4. Available marksheets/Transcripts
    5. Previous Degree
    6. Entrance Exam Scores (GRE. IELTS, TOEFL, GMAT, Other) or University Waiver Letter
    7. Mark sheets of 10th, 12th, graduation and entrance exams
    8. Fee structure
    9. Income Proof
    10. Additional documents may be requested in case of collateral required.

Expenses Covered By Earnest Education Loan

  1. Any school related expenses including tuition fees, room and boarding charges, books, transportation, supplies, computer, medical and dependent care expenses.
  2. Other related expenses including computer, study-abroad programs, medical, and any past balance due that is less than 1 year old.


Bringing answers to your questions

  • Which US schools can I get an earnest student loan for?

    You can get a student loan for over 100 universities in the US.

  • Is there a cosigner required for getting an Earnest international student loan?

    You can secure a loan from Earnest with or without a cosigner. However, the interest rates are comparatively higher without a cosigner.

  • What are Earnest student loan rates?

    The interest rates for student loans at Earnest can vary between 4.11 to 15.99% depending on certain terms and conditions. With Lorien Finance as your partner, you can be assured of getting the best deal at the lowest possible interest rate.

  • How can I get an Earnest education loan?

    Fill out the form on our website and our experts will get in touch with you, ready to answer each and every question you might have. They will be supporting you throughout the process right from the start till the loan gets sanctioned.

  • How much time does it take to get a student loan from Earnest?

    Depending on the candidate’s profile and documentation, the bank processes the loan usually in 3-5 business days. However, it can take longer. But, worry not! With Lorien by your side, you have experts who reach out to the bank on your behalf and resolve any issues that might arise.

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