Clients who refinance and consolidate their student loans with Earnest save an average of $17,936. Get your estimated rate and savings in 2 minutes without affecting your credit score.
Pick the monthly payment that's right for your budget. Precision Pricing™ means our student loan rates are just as low at 5-, 10-, 15-, and 20-year terms – and lower for everything in between.
Our in-house Client Happiness team will personally handle any service questions or issues for the life of your loan. Other lenders’ support lasts about 30 days. After that, you’re passed off to a third-party servicer.
Our data-driven evaluation of your full financial profile gives us the ability to offer qualified borrowers lower, more personalized rates than traditional lenders can.How it works
By analyzing information beyond your credit score, we can quickly provide you a rate estimate. You will receive your final rate when your application to refinance has been approved.
We look at data other lenders don’t, like savings, education, and earning potential. This helps us build a better picture of your full financial profile so that we can offer our clients the lowest possible rates on their loans.
If you’re approved to refinance with Earnest, you can set your exact monthly payment and choose between a variable and fixed rate. How do we decide? Read our eligibility guide.
“To be able to pay off my student loans before their original term date and save so much on the life of the loan is huge.”
Noel True, NYU MFA – $85,900 Refinanced, $38,400 saved