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Jun 2, 2025
Earnest Student Loan for US Education
Make your American education dreams reality with Earnest's competitive student loan rates and expert guidance.
No co-signerNo collateral
Earnest
Education Loan
Up to 100% of EC
Interest Rate
3.47%* onwards
Processing fee
0%
Processing time
7 Days
WITH LORIEN FINANCE GET
High Approval Rate
17+ trusted lenders on one single platform
Starting at 3.39%*
Competitive Rate of Interest
Flexible Loans
No co-signer & no collateral loans available
Why Choose Lorien Finance for Your Earnest Study Abroad Loan?
Lorien Finance makes your Earnest loan journey smooth and hassle-free from comparison to disbursal, with expert support at every step.
Simplified application process
Support for top global universities
Personalized guidance & support
Covers tuition, living expenses, and travel
Loan Features & Details
| Features | Details |
|---|---|
| Maximum Loan Amount | Up to 100% of EC (Non-Collateral) |
| Interest Rate | Starting from 3.47%* |
| Cosigner Needed | Conditional |
| Repayment Period | 15 years for PG & 20 years for UG |
| Processing Fee | NIL |
| Margin Money | NIL |
| Moratorium Period | Study period + 9 Months |
| Prepayment charges | NIL |
| Countries Covered | USA |
Eligibility criteria
- Must be an Indian citizen.
- Must be a full-time student at an accepted college or university.
- Must borrow a minimum loan amount of US $1,000.
- Must have a credit score of at least 650.
- Must have a credit history of three years without any collections or bankruptcies.
- Must have an annual income of at least US $35,000.
4.7
on
reviewsInternational Alumni Network of 500+ Indian Students
4.7
onreviews
Loan Received: $30,000
Int. Rate: 6.45%
"I had a smooth and hassle-free experience securing a loan with Lorien Finance. They were professional, approachable, and transparent throughout the process, explaining all terms and conditions clearly. I highly recommend Lorien finance and Nishant for reliable financial assistance."
Harsh
Montclair State University
5
Loan Received: $28,000
Int. Rate: 7.24%
"I would like to express my sincere gratitude to Lorien Finance for their outstanding support in assisting me with my loan process. The team took the time to explain all the details, answer all my questions, and provide valuable advice throughout the entire process."
Vaidehi
University of New Haven
5
Loan Received: $35,000
Int. Rate: 4.70%
"I had a great experience with Lorien Finance while securing my student loan. The process was smooth, transparent, and efficient, making it stress-free for me. Lorien’s dedication to helping students achieve their educational goals is truly commendable."
Ayush
University of North Carolina
5
Loan Received: ₹34 Lakh
Int. Rate: 11%
"With straightforward application process I received my loan approval faster than I expected with Lorien Finance. The customer service team was responsive and very knowledgeable. I appreciate their transparency about fees and interest rates."
G. Bhanu
University of Portsmouth
4.7
Loan Received: $30,000
Int. Rate: 6.45%
"I had a smooth and hassle-free experience securing a loan with Lorien Finance. They were professional, approachable, and transparent throughout the process, explaining all terms and conditions clearly. I highly recommend Lorien finance and Nishant for reliable financial assistance."
Harsh
Montclair State University
5
Loan Received: $28,000
Int. Rate: 7.24%
"I would like to express my sincere gratitude to Lorien Finance for their outstanding support in assisting me with my loan process. The team took the time to explain all the details, answer all my questions, and provide valuable advice throughout the entire process."
Vaidehi
University of New Haven
5
Loan Received: $35,000
Int. Rate: 4.70%
"I had a great experience with Lorien Finance while securing my student loan. The process was smooth, transparent, and efficient, making it stress-free for me. Lorien’s dedication to helping students achieve their educational goals is truly commendable."
Ayush
University of North Carolina
5
Loan Received: ₹34 Lakh
Int. Rate: 11%
"With straightforward application process I received my loan approval faster than I expected with Lorien Finance. The customer service team was responsive and very knowledgeable. I appreciate their transparency about fees and interest rates."
G. Bhanu
University of Portsmouth
4.7
Confused About Studying Abroad? Start Here
Frequently Asked Questions
01
What expenses are covered under the Earnest study abroad loan?
01
What expenses are covered under the Earnest study abroad loan?
01
Earnest loans cover tuition fees, living expenses, travel costs, books, and other education-related expenses. You can get up to 100% of your education cost funded.
02
Is the Earnest study abroad loan available for all countries?
02
Is the Earnest study abroad loan available for all countries?
02
No, it is only available for students who want to study abroad in the USA.
03
How can I get an Earnest education loan?
03
How can I get an Earnest education loan?
03
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.
04
How much time does it take to get a student loan from Earnest?
04
How much time does it take to get a student loan from Earnest?
04
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.
05
Can I repay my Earnest student loan early without penalty?
05
Can I repay my Earnest student loan early without penalty?
05
Yes, Earnest offers zero prepayment charges. You can repay your loan early at any time without incurring any extra fees. This helps reduce your interest burden.
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USA Office
609 Greenwich St, New York, NY 10014
INDIA Office
New Delhi - Plot No.1/262, Westend Marg, Saket, New Delhi 110030
Mumbai - 1106/07/08, 11th Floor, Eco Star, Vishweshwar Nagar, Churiwadi, Goregaon (East), Mumbai 400063
Contact Us
Call Us
+91 9311015550
hello@lorienfinance.com
© 2025 Lorien Finance. All rights reserved.
Disclaimer: Lorien Finance is a loan advisory platform that connects applicants with regulated financial institutions, including banks and NBFCs. Loan approval, terms, and interest rates are solely determined by our lending partners and are subject to their internal credit policies. Lorien Finance does not charge applicants any upfront fees and does not guarantee loan approval or interest rates.
Disclaimer:
Lorien Finance is a loan advisory platform that connects applicants with regulated financial institutions, including banks and NBFCs. Loan approval, terms, and interest rates are solely determined by our lending partners and are subject to their internal credit policies. Lorien Finance does not charge applicants any upfront fees and does not guarantee loan approval or interest rates.