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Gorge(ou)s savings on Cornell student loans

Pursuing an Ivy League diploma atop bucolic East Hill in Ithaca, NY, carnelian-clad Cornellians are surrounded by natural beauty. Earnest helps Cornell students and grads finance their education with smart, affordable student loans. Please note, Cornell University is not affiliated with Earnest and does not endorse Earnest's loans.


Learning is a way of life at Cornell

Find a successful future south of the Finger Lakes

Since its inception, Cornell has been co-ed and non-sectarian—unique among American universities. It strives to offer exceptional education across many disciplines—whether that be an MBA from the Johnson School of Management, a J.D. from Cornell Law, or an M.D. from Weill Cornell Medical School in New York City. Cornell’s architecture program is also highly regarded, and attracts aspiring I.M. Peis from around the world.

Cornellians have much to enjoy outside of class as well, such as cheering on Big Red ice hockey at Lynah Rink, participating in the popular Cornell Outdoor Education program, as well enjoying as the range of Cornelliana, including the annual Slope Day festival.


Save big green on Big Red student loans

Earnest student loans and student loan refinancing

Cornell Alumni
Cornell grads with student debt rely on Earnest for a seamless consolidation and refinancing experience. You are offered competitive rates based on your personal financial situation and you’re given the option to customize your payments to fit your preferred budget and timeline. Wherever you’re headed with your Cornell degree—Earnest wants to save you money along the way.

Cornell Students
Since its original charter, Cornell remains dedicated to providing a first-class education to students, regardless of their financial background. All Cornell financial aid is need-based and there are no maximum or minimum awards. We encourage you to contact the Cornell Office of Financial Aid and Student Employment to learn more about Cornell scholarships, grants, jobs, and other ways to ensure you leave Ithaca with an Ivy League education and lasting friendships—not student debt.


Behind the scenes of Cornell 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 Cornell 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.