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School periods

Need a loan for a full academic year?

Start date - First-day classes begin in the academic year

End date - Date classes end for the academic year

A single semester/term?

Start date - First day of classes for term/semester

End date - Last day of classes for term/semester

A loan for more than one academic year?

We can only approve a loan application for one academic year at a time. You'll want to re-apply for an Earnest loan before the beginning of each academic year.

A loan for previous expenses?

We may be able to cover previous academic costs if they are less than 1 year old.

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