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Arizona student loans that make Wildcats purr

Located near downtown Tucson, UA was the first university in Arizona, and has anchored academic and athletic excellence in the Southwest since 1885. Earnest helps UA students and grads finance their education with smart, affordable student loans. Please note, the University of Arizona is not affiliated with Earnest and does not endorse Earnest's loans.

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Wildcats challenge the status quo

UA builds a brighter future through exploration and innovation

The University of Arizona offers esteemed degrees in a variety of fields to ensure you’re on the fast track to success—whether that be with an MBA from Eller College of Management, a JD from James E. Rogers College of Law, an MD from the College of Medicine, a PharmD from the College of Pharmacy, or one of the grad degrees from the College of Optical Sciences, the largest optics program in the country.

From Saguaro National Park to the West to the vibrant cultural activities available in Tucson and on campus, Wildcats enjoy a well-rounded college experience. AU students are fierce supporters of their Wildcats—cheering ‘Bear Down, Arizona!’ for their football team at Arizona Stadium and basketball team at McKale Center. And some of America’s finest athletes are UA alumni, including softball player Jennie Finch, NFL player Rob Gronkowski, and NBA star Andre Iguodala.

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Getting the most value from a top-ranked public education

Earnest student loans and student loan refinancing

University of Arizona Alumni
Arizona grads with student loan debt rely on Earnest for a seamless consolidation and refinancing experience. You receive competitive rate offers based on your personal financial profile and you can customize your payments to work with your desired budget and timeline. Wherever your U of A education leads you—Earnest wants to save you money along the way.

University of Arizona Students
In addition to its popular Guaranteed Tuition Program for bachelor’s students, Arizona offers many financial aid options to help Wildcats afford their education. In fact, 97% of applicants with financial need receive some form of aid, and the average award is $12,790. We encourage you to contact the University of Arizona Office of Scholarships and Financial Aid to learn more about UA scholarships, grants, jobs, and other ways to ensure you leave Tucson with a lifetime of wisdom and memories—not debt.

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Behind the scenes of Arizona student loan refinancing

Get the facts before making any decisions

How should I choose a student loan refinancing provider?

When comparing loans, take into account the rates you’re offered, as well as factors like flexibility and customer service from the loan provider. Many companies will outsource your loan servicing.

Which type of loans can I refinance?

You can refinance both Federal and private student loans with Earnest. You’ll effectively consolidate all your loans into one new, lower rate Earnest loan.

What are the benefits of refinancing my student loan(s)?

Many people are able to refinance into much lower interest rates, saving them thousands, if not tens of thousands, of dollars. In addition, Earnest offers in-house support for the life of your loan and a seamless technology platform to manage your loan.

Can I refinance loans that have previously been consolidated or refinanced?

Yes. Previous refinancing or consolidation does not affect the eligibility of your application.

Who should consider refinancing with Earnest?

Refinancing is a great solution for employed or soon-to-be-employed graduates who have high-interest, unsubsidized Direct Loans, Graduate PLUS loans, and/or private loans.

What is the difference between consolidation and refinancing?

Consolidation simply combines multiple student loans into one. That means one monthly payment instead of having to juggle many different ones, sometimes with multiple servicers. When you consolidate, your interest rate will be a weighted average of the interest rates on the loans you combine. You won’t save money— but it can make life easier by reducing the amount of time you spend managing different payments.

Refinancing can be done with one loan or several, and involves getting a new loan with a different (usually lower) rate than before, due to changes in your financial situation. When you refinance, you typically work with a company to pay off the original loan(s) and get a new unified loan at a lower rate.

Recommended reading for UA students

Stay ahead of the curve with these resources

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Refinancing is easier with Earnest

Rather than looking at student loans as a ball and chain, we see them as a balloon—lifting students to new heights, and enabling incredible opportunities and achievements. Through innovative data science we make that balloon as light as possible, saving clients thousands on every loan. And with exceptional service, we ensure our clients make decisions with confidence. At Earnest, we seek to offer a student loan like no other.