You can get a student loan for over 100 universities in the US.
Earnest Student Loans
International NBFC
7 days Loan Processing Time
Margin
NA
Processing Fees
0%
Collateral
NA
Non Collateral
Upto ₹80 lakhs*
Repayment Tenure
Upto 10 Years
Cosigner Needed
Conditional
Collateral Loans
NA
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%
| Features | Education Loan Details |
|---|---|
| Loan amount | Upto ₹80 lakhs (Non Collateral) |
| Margin money | NA |
| Interest rate | 4.25% |
| Processing fee | 0% |
| Processing time | 7 days |
| Loan tenure | Upto 10 Years |
| Prepayment charges | No Charges* |
| Countries covered | USA only |
| Moratorium | Course Duration + 6 months |
Benefits of Earnest Student Loans
Customised repayment terms
Earnest allows you to choose your repayment terms as per your ease through a flexible process.
Skip a payment
If deemed necessary, Earnest allows skipping of a payment once every 12 months.
Longer grace period
Earnest provides a 9 month grace time, 3 months longer than the average lender terms.
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?
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.
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.
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?
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.
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.
100% Free Assistance: Lorien doesn’t charge any processing fee or commission for student loans for your study abroad journey!
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.
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.
Helping you fulfil your study abroad dream!
Fill out the form so our team can get in touch with you!
By entering my details here, I hereby authorize Lorien Finance to contact me through call, message or WhatsApp. It will override my registry on the NCPR/NDNC
Eligibility Criteria For Earnest Education Loan Abroad
Eligibility Criteria for Candidates:
- The applicant must be an Indian citizen.
- The applicant must be a full-time student at an accepted college or university.
- The applicant must borrow a minimum loan amount of US $1,000.
- The applicant must have a credit score of at least 650.
- The applicant must have a credit history of three years without any collections or bankruptcies.
- The applicant must have an annual income of at least US $35,000.
Eligible Countries:
- USA
For Applicant:
- Admission letter
- Identification Proof (Aadhaar card, PAN Card)
- Valid Passport
- Available mark sheets/Transcripts
- Previous Degree
- Entrance Exam Scores (GRE. IELTS, TOEFL, GMAT, Other) or University Waiver Letter
- Mark sheets of 10th, 12th, graduation and entrance exams
- Fee structure
- Income Proof
Documents Required
Expenses Covered By Earnest Education Loan
- Any school related expenses including tuition fees, room and boarding charges, books, transportation, supplies, computer, medical and dependent care expenses.
- Other related expenses including computer, study-abroad programs, medical, and any past balance due that is less than 1 year old.
FAQs
Bringing answers to your questions
Which US schools can I get an earnest student loan for?
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 4.25 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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Lorien’s Success Stories
Real Dreams: Real Achievements
I'm Sambhavi, currently working at Deloitte. Lorien Finance helped me secure an education loan for my Master's in Business Analytics at the University...
Sambhavi
I want to express my utmost satisfaction and gratitude to Lorien Finance for their exceptional services....
Rachna
Thanks to Lorien Finance, I was able to secure an education loan without any hassle. Their online application process made it convenient for me to app...
Sharikha
I'm Sambhavi, currently working at Deloitte. Lorien Finance helped me secure an education loan for my Master's in Business Analytics at the University...
Sambhavi
I want to express my utmost satisfaction and gratitude to Lorien Finance for their exceptional services....
Rachna
Thanks to Lorien Finance, I was able to secure an education loan without any hassle. Their online application process made it convenient for me to app...
Sharikha
Finding suitable accommodation in a foreign country can be challenging, but Lorien Finance made it a breeze. Their partnership with reliable housing p...
Sriram
It was a good experience with Lorien Finance throughout the process they helped me in every step and made the process hassle-free and helped me to g...
Rama
It was a good experience with Lorien Finance throughout the process they helped me in every step and made the process hassle-free and helped me to g...
Ruchi
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