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A brighter student loan for ASU

With a Tempe campus known for palm trees and smiling faces, it’s the esteemed ASU education and competitive PAC-12 athletics that make Arizona State the largest university by enrollment in the U.S. At Earnest, we help Sun Devils finance their education by providing smart, affordable student loans. Please note, Arizona State University is not affiliated with Earnest and does not endorse Earnest's loans.

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The “Golden Promise” of Arizona State University

Ranked #1 in U.S. for innovation, ahead of Stanford and MIT

Getting an ASU education is one of the smartest decisions you can make – Kiplinger named Arizona State University the best value college in America and The Wall Street Journal ranks ASU #5 in the nation for producing qualified graduates. Additionally, the W.P. Carey School of Business produces hundreds of talented MBA grads each year.

With campuses located throughout Phoenix, AZ metro area, Sun Devils come from all over the world to enjoy perfect tailgating weather year-round. Whether you’re visiting historic Old Main or exploring The Secret Garden – ASU’s beautiful campus is sure to spark lasting memories.

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Affordable ASU student loans

For the best value college in America

ASU Alumni

Earnest provides a seamless consolidation and refinancing experience for ASU grads. Between our user-friendly online dashboard and knowledgeable team, we help you get the best rates based on your financial profile, without the hassle. You can even customize your payments to match your preferred budget and timeline. Spend more time using your degree and less time worrying about student loans.

ASU Students

Arizona State University is dedicated to providing an education with incredible value. ASU provides merit-based financial aid, as well as aid based on financial need – over 80% of ASU students receive some form of financial aid. We encourage you to contact the ASU Financial Aid Office to learn more about ASU scholarships, grants, jobs, and other ways to ensure you leave Tempe with a degree and memories, not lasting debt.

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Important questions about refinancing ASU student loans

Make informed decisions to save money

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.

Suggested reading for ASU students

Get the latest information about student loans

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The new face of finance

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.