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REFINANCE STUDENT LOANS

Pay less interest.

Get more choice.

We offer student loan refinancing that fits your budget. Get your rate estimate without affecting your credit score.
2 Min: Get Your Rate

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You earned a degree

Now you deserve a better interest rate

VARIABLE RATES

Starting at 2.46% APR
(including 0.25% Auto Pay discount)

FIXED RATES

Starting at 3.89% APR
(including 0.25% Auto Pay discount)

Paying off your student loans is easy with our dashboard

Payment flexibility, no fees, smart design

  • Choose your preferred payment based on your budget
  • Increase payment anytime to pay off loan faster
  • Adjust your payment date anytime with ease

  • Make extra or early payments without fees
  • Skip a payment and make it up later
  • Consolidate your private and federal loans

earnest student loans mobile app

To be able to pay off my student loans before their original term date and save so much on the life of the loan is huge.

NOEL TRUE, NYU MFA – $85,900 REFINANCED, $38,400 SAVED

Get Your Rate

A refinancing experience built to save you time and money

QUICK & SIMPLE TO APPLY

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.

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.

Get Your Rate

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

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Earnest Student Loan Refinancing Reviews

See what our clients have to say

4.82/5 ( 208 reviews )

Best loan transfer ever

Honestly the most best experience ever for a refinance of a federal parent plus loan in my time. I've done 3 of them so I have all kinds of personal experience and i wouldn't recommend you going anywhere else but EARNEST!!!!!! THAT'S THE TRUTH...Hands down.

Lesa S. - Mechanicsburg, PA
Harrisburg Area Community College-Harrisburg, Associates

Saved me a lot of money

Application process was straightforward and quick. Had a little trouble submitting the correct tax documents but it was well worth the effort as Earnest saved me many thousands of dollars over my previous student loan.

George K. - Evergreen, CO
Whittier College, JD

Extremely easy and efficient

I have been trying to refinance my student loans for a few months now, finding it quite difficult because of the approval process. With Earnest, it took all but a few minutes and I was approved. The customer service is probably the most friendly customer service I have ever dealt with. I would definitely give this company a shot if I was looking to refinance student loans.

Nadeem K. - Woodmere, NY
American University of Antigua, MD
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Reviews solicited from random sample of Earnest clients since July 2017. All responses are published here in full. No compensation was provided in exchange for reviews.