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PARENT PLUS LOAN REFINANCING

You funded their degree — now flatten the debt

Variable rates start at 2.57% APR and fixed rates start at 3.49% APR with autopay. Get your rate estimate in two minutes without affecting your credit score.
Get Your Rate

Clients who refinance with Earnest save $30,939 on average

ONLINE APPLICATION AND INTUITIVE DASHBOARD = MORE SAVINGS AND LESS HASSLE

  • No fees for origination or pre-payment
  • Tailor your exact minimum monthly payment
  • Consolidate your private and federal loans

  • Save on interest with optional bi-weekly payments
  • Skip a payment and make it up later
  • Increase payment anytime to pay off loan faster

earnest student loans mobile app

A refinancing experience built to save you time and money

QUICK & SIMPLE TO APPLY

earnest personal loans online

ESTIMATE

By analyzing information beyond your credit score, we can provide an instant rate estimate. You'll receive your final rate when your application has been approved.

APPLICATION

Our application gathers further information to fill out your profile—such as indicators of financial responsibility. Read our eligibility guide.

DECISION

We look at data other lenders don’t (like your savings, education, and earning potential) to offer fair, customized rates. Read more about what makes us different.

DONE

If you’re approved to refinance, you can set your preferred monthly payment, based on your budget. Learn about our money-saving Precision Pricing.

ESTIMATE

By analyzing information beyond your credit score, we can provide an instant rate estimate. You'll receive your final rate when your application has been approved.

APPLICATION

Our application gathers further information to fill out your profile—such as indicators of financial responsibility. Read our eligibility guide.

DECISION

We look at data other lenders don’t (like your savings, education, and earning potential) to offer fair, customized rates. Read more about what makes us different.

earnest personal loans online

DONE

If you’re approved to refinance, you can set your preferred monthly payment, based on your budget. Learn about our money-saving Precision Pricing.

Student Loan Refinancing 101

Why Refinance Student Loans?

When you refinance student loans, you get credit for the positive changes to your financial profile since you originally took out the loans. A student loan refinance is a good choice for people who have seen advances in their income, career, or credit score since they were in school.

Our data-driven evaluation of your full financial profile gives us the ability to offer qualified borrowers lower, more personalized rates than traditional lenders can. So whether you want to pay off your student faster or just reduce your student loan payments, we can help.

Refinancing vs. Consolidation

Student loan consolidation is the process of unifying several loans with different rates and terms into a single loan with a single payment. The blended interest rate is determined by calculating the weighted average interest rate of the original loans (meaning higher balance loans have greater impact). Consolidating student loans does not affect the amount of interest you pay—it just simplifies your payments.

Refinancing student loans, on the other hand, is a step beyond consolidation. When you refinance multiple loans, the lender will evaluate your current financial profile to provide a rate that reflects your financial progress since you originally took out the loans. Whereas consolidation just streamlines bills, refinancing also shrinks them. Read more about refinancing vs. consolidation on our blog.

Credit is complicated—learn the basics here

We’ve put together a library of essential resources (like how-to guides, comparisons, and calculators) to help you make better choices when it comes to refinancing student loans. And keep an eye out—we’re always adding more.

Browse Resource Library

student loans resources