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Help your employees build their future by putting student debt in their past

STUDENT LOAN REFINANCING AND CONTRIBUTION PROGRAMS AS AN EMPLOYEE BENEFIT

Better recruit and retain top talent, and ease a large financial burden for your professionals.

Your employees can save an average of $30,939

With earnest student loan refinancing and employer contribution programs.

Huge Impact

Help ease one of the largest burdens facing young professionals. We have no hard credit score or income minimums, so all employees with student debt are eligible to apply.

Easy Implementation

Our turn-key solution requires no integration, and comes at no cost to your organization. The benefit is simple to administer, no matter the size or geographic reach of your company.

Competitive & Compelling

Differentiate your benefits package to better attract and retain top talent. Empower your employees to take an active role in their long-term financial health.

How it works

Employee Enrollment

We provide a co-branded landing page, sign-up bonus, and custom collateral to help you spread the word.
Expert Education

We offer on-site visits and ongoing education to help your employees reach their financial goals.
Lifetime Support

We support your HR team year-round and serve your employees for the life of their loan.

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We are excited to work with you!

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Explore Earnest products

Personal Loans

Personal Loans

Low-cost loans for qualified borrowers up to $75,000. Fixed rates from 6.99% APR.

Student Loan Refinancing

Student Loan Refinancing

Clients who consolidate and refi save $30,939 on average. Variable rates start at 2.47% APR with autopay.

Parent Plus Student Loans

Parent PLUS Refinancing

Personalized payment plans for extra savings. Variable rates start at 2.47% APR with autopay.

Explanation of $30,939 Average Client Savings

Average savings calculation is based on all Earnest clients who refinanced student loans owned and serviced by Navient between 03/06/2017 and 03/31/2018. The savings figure of a particular client is calculated by subtracting the projected lifetime cost of their Earnest refinancing from the projected total cost of their original student loans.

How we calculate the figures:

For the original student loans, the projected lifetime costs are calculated using the weighted average term of the original loans and the weighted average interest rate in effect in the month prior to the refinance event, including borrower benefits (e.g. automatic payment discounts).
For the refinanced loans, projected lifetime costs are calculated using the selected Earnest term and interest rate, also including borrower benefits.
Projected lifetime costs assume a principal balance of $75,000.
Projected monthly savings is derived by using the “projected lifetime savings” divided by the selected Earnest term

In order to calculate our average client savings, we excluded:

Savings from any client that selected an Earnest loan with a longer term than their Navient student loan terms
Loans resulting from a client refinancing the same Earnest loan with Earnest

Average client savings amount is not predictive or indicative of your individual cost savings. For example, your individual savings may differ based on your loan term and rate type selections, if you change your repayment options, or if you pay off your student loans early.

Explanation of Rates “With Autopay”

Rates shown include 0.25% APR reduction when client agrees to make monthly principal and interest payments by automatic electronic payment. Use of autopay is not required to receive an Earnest loan.

Explanation of Precision Pricing™ Savings

Savings calculations are based on refinancing $121,825 in student loans at an existing loan servicer’s interest rate of 7.5% fixed APR with 10 years, 6 months remaining on the loan term. The other lender’s savings and APR (light green line) represent what would happen if those loans were refinanced at the other lender’s best fixed APRs. The Earnest savings and APR (white line) represent refinancing those loans at Earnest’s best fixed APRs.

Savings is computed as the difference between the future scheduled payments on the existing loans and payments on new Earnest and “other lender” loans. The calculation assumes on-time loan payments, no change in interest rates, and no prepayment of loans.

Client Testimonials

Individuals portrayed as Earnest clients on this site are actual clients and were compensated for their participation.