Student loan refinancing, on your terms

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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.

Radical repayment flexibility for your loan


  • Tailor your exact minimum monthly payment
  • Increase payment anytime to pay off loan faster
  • Save on interest with optional bi-weekly payments
  • Make extra or early payments without fees
  • Skip a payment and make it up later
  • Consolidate your private and federal loans
Student loan refinance dashboard illustration

Save even more when you refinance with Precision Pricing™

Personalize your interest rate to your exact loan term, which can save you over $1,000 in interest

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.

Only Earnest will never pass you off to a third-party servicer

Service for the life of your student loan

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.

Earnest Client Service

Life of the Loan

Other Lenders

Life of the Loan

Student loan refinancing the new-fashioned way

Better rates through better data analysis

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
Illustration of an example financial profile

A refinancing experience built to save you time and money

Quick & Simple To Apply

2 Mins To Get Your Estimated Rate

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.

Loan Application

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.

Loan Decision

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