A mission to save thousands on BYU student loans
One of America’s largest private universities, Brigham Young has provided first-class education and Mormon fellowship to LDS members in Provo, Utah since 1875. Earnest helps BYU students and grads finance their education with smart, affordable student loans. Please note, Brigham Young University is not affiliated with Earnest and does not endorse Earnest's loans.
Everlasting faith and wisdom are fostered at BYU
“Enter to learn; go forth to serve”
Brigham Young University is known for offering high-quality degree programs, in addition to spiritual enrichment. Some of BYU’s most desirable programs include the MBA and MAcc from Marriott School of Management, a JD from J. Reuben Clark Law School, the MS from BYU College of Nursing, and the MA from BYU Religious Education. The school is also famous for its emphasis on foreign language education, due to so many students serving as missionaries before or during their enrollment.
With gorgeous views of the Wasatch Mountains and beautiful landscaping throughout, BYU’s main campus in Provo can only be fully appreciated in person. While the BYU honor code keeps campus life tame, BYU sports fans are anything but—roaring their support for the Cougars at the Marriott Center and LaVell Edwards Stadium.
Eternal savings on your BYU education
Earnest student loans and student loan refinancing
Brigham Young Alumni
BYU 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 BYU education leads you—Earnest wants to save you money along the way.
Brigham Young Students
BYU is committed to brightening the future of Cougar undergrads while minimizing student debt. In fact, about 94% of applicants with financial need receive aid and the average award is $7,258. We encourage you to contact the BYU Financial Aid Office to learn more about Brigham Young scholarships, grants, jobs, and other ways to ensure you leave Provo with a lifetime of wisdom and memories—not student debt.
Behind the scenes of BYU student loan refinancing
Get the facts before making any decisions
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.
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.
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.
Yes. Previous refinancing or consolidation does not affect the eligibility of your application.
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.
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 BYU students
Stay ahead of the curve with these resources
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.