Alert Message

Hogs roll in Arkansas student loan savings

The flagship campus of the University of Arkansas system and highly regarded for a range of programs, UARK educates Razorbacks in the Ozark town of Fayetteville. Earnest helps U of A students and grads finance their education with smart, affordable student loans. Please note, the University of Arkansas is not affiliated with Earnest and does not endorse Earnest's loans.


The U of A puts students first

Razorbacks enjoy small class sizes and big potential from their education

The University of Arkansas offers top-tier programs that are sure to help you jumpstart your career in the industry of your choosing—whether that be with an undergrad diploma or a grad degree, such as an MBA from the Sam M. Walton School of Business, or a JD from UARK School of Law.

U of A is located on a hilltop in beautiful Fayetteville, overlooking the Ozark Mountains. Arkansas has many traditions, most famously Senior Walk—over three miles of sidewalk throughout campus with the names of U of A grads etched into stone dating back 140 years. Whenever Razorback fans aren’t ‘Calling the Hogs’ you can find them at the UARK Union or on Dickson Street enjoying the best food and nightlife a college town could ask for.


A smarter investment for Razorbacks

Earnest student loans and student loan refinancing

University of Arkansas Alumni
UA 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 UARK education leads you—Earnest wants to save you money along the way.

University of Arkansas Students
UA is devoted to helping students afford the education they deserve. In fact, 95.9% of applicants with financial need receive some form of aid and the average award is $8,941. We encourage you to contact the University of Arkansas Office of Financial Aid to learn more about Arkansas scholarships, grants, jobs, and other ways to ensure you leave Fayetteville with a lifetime of wisdom and memories—not student debt.


Behind the scenes of Arkansas 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 U of A students

Stay ahead of the curve with these resources

People around a computer

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.