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A whirlwind of savings on ISU student loans

Iowa State is the birthplace of the first electronic digital computer and is the only university with a U.S. Department of Energy research laboratory (Ames) located on campus. Earnest helps ISU Cyclones finance their education with smart, affordable student loans. Please note, Iowa State University is not affiliated with Earnest and does not endorse Earnest's loans.


Cyclones blaze a clear path to a bright future

From the farmland of Ames—students go far

Iowa State University offers rewarding academic programs in a variety of fields that are sure to get your career on the fast track. Some of Iowa State’s most sought-out programs include an MBA from the ISU College of Business and a DVM from ISU College of Veterinary Medicine..

Ames is considered a top college town, where everything revolves around Iowa State’s historic campus. From the Farm House Museum to the Petersen Art Museum and the Art on Campus Collection—one of the nation’s largest university public art programs—ISU’s campus is rich with art. ISU’s passionate cardinal and gold-clad Cyclones are also known to shake the stands of Jack Trice Stadium and Hilton Coliseum against their Big 12 rivals.

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Maximize savings on your ISU education

Earnest student loans and student loan refinancing

Iowa State Alumni
ISU grads with student loan debt rely on Earnest for a seamless consolidation and refinancing experience. You are offered competitive rates based on your unique financial scenario and you can customize your payments to fit your preferred budget and timeline. Wherever your Iowa State education leads you—Earnest wants to save you money along the way.

Iowa State Students
ISU is committed to making an exceptional education affordable for everyone. In fact, 76% of incoming students receive some form of financial aid, and the average award for incoming freshmen is $14,005. We encourage you to contact the Iowa State University Office of Financial Aid to learn more about ISU scholarships, grants, jobs, and other ways to ensure you leave Ames with a lifetime of wisdom and memories—not student debt.

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Behind the scenes of ISU 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 Iowa State 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.