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Enjoy Bear-sized savings with Earnest student loans

The oldest university in Texas, Baylor provides a world-class education in Waco. But a sterling Baylor degree isn’t free. Earnest helps Baylor students and grads finance their education with smart, affordable student loans. Please note, Baylor University is not affiliated with Earnest and does not endorse Earnest's loans.

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Baylor Bears have it all

Respected academics, Big 12 athletics, and a spiritual side

Baylor attracts MBA and JD-seeking students from around the world to the Hankamer School of Business and Baylor Law School, as well as the Herrington School of Nursing, Truett Theological Seminary, and many of their other highly-respected programs. Bears also get a healthy dose of art and culture from the Hooper-Schaefer Fine Arts Center, Tidwell Bible Building, and Mayborn Museum.

Located along the Brazos River halfway between Austin and Dallas, the Baylor campus is full of traditions like Chapel, Diadeloso, and Christmas on 5th Street. Whether you’re hanging out in Burleson Quad, chanting “sic ‘em Bears” from the Baylor Line at McLane, or playing pickup at Minglewood Bowl—you’ll never run out of opportunities to make new friends.

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Lady in library reading

Financing your BU education the smart way

Earnest student loans and student loan refinancing

Baylor University Alumni
BU grads with student debt turn to Earnest for a seamless consolidation and refinancing experience. Earnest offers rates based on your specific financial profile, and lets you customize payments to fit your preferred budget and timeline. Whichever career path you choose with your Baylor degree, Earnest helps you stay on track by simplifying your student debt.

Baylor University Students
Between its Guaranteed Tuition Option and various academic and need-based scholarships, Baylor is dedicated to minimizing student debt. In fact, over 56% of full-time undergraduates receive some form of need-based financial aid. We encourage you to contact the Baylor University Student Financial Services to learn more about BU scholarships, grants, jobs, and other ways to ensure you leave Waco with new friendships and lasting wisdom—not student debt.

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Behind the scenes of BU 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 BU 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.