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Georgia Bulldogs drool over Earnest student loans

Founded in 1785, UGA offers world-class research opportunities and competitive SEC sports. And with the famous Athens bar/music scene, Dawgs are known to paint the town red—and black. Earnest helps UGA students and grads finance their education with smart, affordable student loans. Please note, the University of Georgia is not affiliated with Earnest and does not endorse Earnest's loans.


Bulldogs graduate with top pedigree

A renowned degree in the rolling hills of Athens

The University of Georgia provides a first-class public education that prepares Bulldogs for a successful career in the field they desire—whether that be with an MBA from Terry College of Business (offered in Athens and Atlanta), a J.D. from the UGA School of Law, or a Pharm.D. from the renowned UGA College of Pharmacy.

The quintessential college town, Athens is a cultural hub with music, arts, and nightlife all along Broad Street. Georgia’s campus is a spectacle of Classical and antebellum architecture—exemplified by the famous Georgia Arch. Whether you’re cheering on the Dawgs from Sanford Stadium or Stegeman Coliseum you’ll have plenty of chances to wear your Red and Black with pride.


Take a bite out of student debt

Earnest student loans and student loan refinancing

Georgia Alumni
UGA 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 work with your preferred budget and timeline. Wherever your Georgia education leads you—Earnest wants to save you money along the way.

Georgia Students
UGA is committed to taking a proactive role in helping students afford a first-class education. In fact, around 99% of applicants with financial need receive aid and the average award is $12,795. We encourage you to contact the University of Georgia Office of Financial Aid to learn more about UGA scholarships, grants, jobs, and other ways to ensure you leave Athens with a lifetime of wisdom and memories—not student debt.


Behind the scenes of UGA 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 Georgia students

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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.