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Low-interest student loan refinancing

It’s not quite a golden ticket, but your Earnest pre-approval letter can still make life a lot better. Our variable rates start at 2.57% APR and fixed rates start at 3.35% APR, with autopay discount. The first step to less student debt: check your rate with no effect on your credit score.

Clients who refinance with Earnest save an average of $21,810

Our mission is to get you—and other successful grads—the low rates you deserve. We look at your unique profile and provide fair rates and terms tailored to you. Then you enjoy flexible payments, no fees, and expert service for the life of your loan.

Four reasons why people choose Earnest

Lower rates through better data

We use data other lenders don’t—like your savings patterns, investments, and career trajectory—to give you the rate you deserve.

Expert in-house service

Our industry-best Client Happiness team is available via call, chat, text or email.

More savings through custom terms

Use our Precision Pricing™ tool to save extra cash. Pick the right payment, rate, and term for your budget.

Quick and seamless experience

Apply online, then manage your account payment preferences with our intuitive dashboard and mobile app.