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Leading the herd for Colorado student loans

Located within a short drive of the Rocky Mountains, CU’s main campus in scenic Boulder combines innovative academic programs with competitive athletics. Earnest helps CU students and grads finance their education with smart, affordable student loans. Please note, the University of Colorado is not affiliated with Earnest and does not endorse Earnest's loans.


A broader horizon starts in Boulder

Launching careers a mile high

The University of Colorado is widely respected for innovation and quality of education, consistently ranking among the best public universities. Some of Colorado’s most desirable programs include an MBA from Leeds School of Business, a JD from Colorado Law, or an MD from the CU School of Medicine in Aurora.

CU-Boulder is the flagship campus of the CU system, with additional campuses in downtown Denver and Colorado Springs. Boulder students enjoy the lively Pearl Street restaurant and bar scene, as well as the excursions of the 100-year-old Hiking Club. And from Rocky Mountain skiing to Pac-12 football at Folsom Field, CU athletics are a fundamental part of life for Buffaloes.


‘Bould’ savings on a CU education

Earnest student loans and student loan refinancing

Colorado Alumni
CU grads with student loan debt turn to Earnest for a seamless consolidation and refinancing experience. You are offered competitive rates based on your personal financial situation and you can customize your payments to fit your preferred budget and timeline. Wherever your Colorado education leads you—Earnest wants to save you money along the way.

Colorado Students
The University of Colorado is dedicated to removing financial barriers between students and a great education. In fact, 97% of applicants with financial need receive some form of aid and the average award is $15,782. We encourage you to contact the University of Colorado Office of Financial Aid to learn more about CU scholarships, grants, jobs, and other ways to ensure you leave Boulder with a lifetime of wisdom and memories—not student debt.


Behind the scenes of CU student loan refinancing

Get the facts before making any decisions

How should I choose a student loan refinancing provider?

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.

Which type of loans can I refinance?

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.

What are the benefits of refinancing my student loan(s)?

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.

Can I refinance loans that have previously been consolidated or refinanced?

Yes. Previous refinancing or consolidation does not affect the eligibility of your application.

Who should consider refinancing with Earnest?

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.

What is the difference between consolidation and refinancing?

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 Colorado students

Stay ahead of the curve with these resources

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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.