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Earnest Disclosures

For in-school loans

Partner AdvertisementsHarvest Collective Inc. receives compensation from Earnest on a per-funded loan basis. This means that Harvest Collective Inc. (the company that runs LSData) makes money from this lender if or when you borrow from this lender after clicking on the link to get to the lender website. 

†Student Loan Origination Loan Cost ExamplesEarnest’s Loan Cost Examples: These examples provide estimates based on principal and Interest payments beginning immediately upon loan disbursement. Variable APR: A $10,000 loan with a 15-year term (180 monthly payments of $118.28) and a 11.69% APR would result in a total estimated payment amount of $21,290.40. For a variable loan, after your starting rate is set, your rate will then vary with the market. Fixed APR: A $10,000 loan with a 15-year term (180 monthly payments of $126.82) and a 13.03% APR would result in a total estimated payment amount of $22,827.79.

These examples provide estimates based on interest only payments while in school. Variable APR: A $10,000 loan with a 15-year term (180 monthly payments of $145.41) and a 11.69% APR would result in a total estimated payment amount of $26,173.03. For a variable loan, after your starting rate is set, your rate will then vary with the market. Fixed APR: A $10,000 loan with a 15-year term (180 monthly payments of $156.59) and a 13.03% APR would result in a total estimated payment amount of $28,186.67. Your actual repayment terms may vary. Other repayment options are available.

These examples provide estimates based on fixed $25 payments while in school. Variable APR: A $10,000 loan with a 15-year term (180 monthly payments of $169.92) and a 11.69% APR would result in a total estimated payment amount of $30,584.74. For a variable loan, after your starting rate is set, your rate will then vary with the market. Fixed APR: A $10,000 loan with a 15-year term (180 monthly payments of $188.42) and a 13.03% APR would result in a total estimated payment amount of $33,915.55. Your actual repayment terms may vary. Other repayment options are available.

These examples provide estimates based on deferred payments. Variable APR: A $10,000 loan with a 15-year term (180 monthly payments of $174.79) and a 11.69% APR would result in a total estimated payment amount of $31,462.16. For a variable loan, after your starting rate is set, your rate will then vary with the market. Fixed APR: A $10,000 loan with a 15-year term (180 monthly payments of $193.75) and a 13.03% APR would result in a total estimated payment amount of $34,874.28. Your actual repayment terms may vary. Other repayment options are available.

†Student Loan Refinance Loan Cost Examples These examples provide estimates based on payments beginning immediately upon loan disbursement. Variable APR: A $10,000 loan with a  20-year term (240 monthly payments of $72) and a 5.89% APR would result in a total estimated  payment amount of $17,042.39. For a variable  loan, after your starting rate is  set, your rate will then vary  with the market. Fixed APR: A $10,000  loan with a 20-year term (240 monthly payments of $72) and a 6.04% APR would result in a  total estimated payment amount of  $17,249.77.  Your actual repayment terms may vary. Terms and Conditions apply. Visit earnest.com/terms-of-service, e-mail us at hello@earnest.com, or call 888-601-2801 for more information on our student loan refinance product.

Interest Disclaimer Choosing to refinance to a shorter term may increase your monthly payment, but lower the amount of interest you may pay. Review your loan documentation for total cost of your refinanced loan

Lender Identification Disclosure Earnest Loans are made by Earnest Operations LLC or One American Bank, Member FDIC. Earnest Operations LLC, NMLS #1204917. 535 Mission St., Suite 1663, San Francisco, CA 94105. California Financing Law License 6054788. Visit earnest.com/licenses for a full list of licensed states. For California residents (Student Loan Refinance Only): Loans will be arranged or made pursuant to a California Financing Law License. 
One American Bank, 515 S. Minnesota Ave, Sioux Falls, SD 57104. Earnest loans are serviced by Earnest Operations LLC with support from Navient Solutions LLC (NMLS #212430). One American Bank and Earnest LLC and its subsidiaries, including Earnest Operations LLC, are not sponsored by agencies of the United States of America. 
© 2021 Earnest LLC. All rights reserved.

One American Bank, 515 S. Minnesota Ave, Sioux Falls, SD 57104. Earnest loans are serviced by Earnest Operations LLC with support from Navient Solutions LLC (NMLS #212430). One American Bank and Earnest LLC and its subsidiaries, including Earnest Operations LLC, are not sponsored by agencies of the United States of America. 

© 2021 Earnest LLC. All rights reserved.

Lenders for Student Loans

None of these lenders charge surprise fees

"Ascent gives you more opportunities to get the money you need to pay for school."

Loans: Fixed & Variable

Term Options: 7, 10, 12, 15 year

Clerkship Loan Deferral: Yes

See Your Rate with a Soft Pull: Yes 

Ascent Disclosures

"Take the stress out of paying for school by creating a private student loan that fits your budget and your goals."

Loans: Fixed & Variable

Term Options: 5, 8, 10, 15 year

Clerkship Loan Deferral: Yes

See Your Rate with a Soft Pull: No 

College Ave Disclosures

"A flexible law school loan with a budget-based repayment plan is here."

Loans: Fixed & Variable.

Term Options: 7, 10, 12, 15 year

Clerkship Loan Deferral: No

See Your Rate with a Soft Pull: Yes 

Earnest Disclosures

"Pursuing an advanced degree should be a reward, not a burden. You can be prequalified in as little as two minutes, with no fees and no commitment!"

Loans: Fixed & Variable.

Term Options: 5, 7, 10, 15 year

Clerkship Loan Deferral: No

See Your Rate with a Soft Pull: Yes 

ELFI Disclosures

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