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Student loans designed for Harvard

Each year, thousands of students flock to Cambridge, MA for one thing — an exceptional Ivy League education. And from Harvard Yard to the Oval Office, Harvard University students and grads are changing the world. Just as Harvard sets the standard for universities, Earnest sets the standard for affordable student loans. Please note, Harvard is not affiliated with Earnest and does not endorse Earnest's loans.


From the Charles River to corner office

Harvard alumni are in a league of their own

Living inside one of the prestigious Harvard Residential Houses means living in a world you won’t want to leave. In fact, over 97% of Harvard undergraduates live on campus for all four years. It’s no surprise this strong community has produced eight presidents and 62 living billionaires. All of this success means Harvard possesses the largest university endowment in the world (great for financial aid). 

From cheering on the Crimson against Yale, to exploring historic Boston, life is great on and off campus. No matter which path you choose – a Harvard Business School MBA, a Harvard Law JD, a Harvard Medical School MD, or any other degree – you’re on track for a world-changing future.


Save green on your Ivy League education

Earnest student loans and student loan refinancing

Harvard Alumni
Student loan refinancing can be confusing and intimidating – even for Harvard grads. At Earnest, we make things as easy and transparent as possible. Through our intuitive online dashboard and personalized service, you can choose between consolidation and refinancing options designed for your unique financial profile. You can even match your payments to your preferred budget and timeline.

Harvard Students
Getting a world-class education isn’t cheap, but Harvard is committed to eliminating financial boundaries. Around 70% of students receive some form of student aid, and families that earn less than $65,000 a year are expected to pay nothing for their child’s education. We encourage you to contact the Harvard Financial Aid Office to learn more about Harvard scholarships, grants, jobs, and other ways to ensure you leave Cambridge with a collection of great memories – not student debt.  


The inside scoop on Harvard student loan refinancing

What you need to know 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 Harvard 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.