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Blue Jays soar with affordable JHU student loans

America’s first research university, Johns Hopkins paves a black and blue road to success for Blue Jays of all feathers—from Nobel and Pulitzer Prize winners to notable business founders and Olympic champions. Earnest helps JHU students and grads finance their education with smart, affordable student loans. Please note, the Johns Hopkins University is not affiliated with Earnest and does not endorse Earnest's loans.


JHU inspires great discoveries and bold careers

Blue Jays are driven by renowned research and pursuing big ideas

Johns Hopkins offers top-ranked academic programs in a variety of fields that will ensure a competitive advantage as you launch your career. Some of its most desirable programs include an MBA from Carey Business School and an MD from Johns Hopkins Medicine—considered one of the most prestigious degrees in the world.

While Homewood is the home of Hopkins undergrad studies, its graduate studies are dispersed across the Baltimore-Washington D.C. corridor. When JHU students aren’t in class you can find them buried in books at Milton S. Eisenhower Library, relaxing on The Beach with friends, or out and about in Charles Village. While many Blue Jays are involved in athletics, the most dominant program is men’s lacrosse —with 44 national titles.


Affording a brighter future

Earnest student loans and student loan refinancing

Johns Hopkins Alumni
JHU 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 profile and you can customize your payments to fit into your preferred budget and timeline. Wherever your Johns Hopkins education leads you—Earnest wants to save you money along the way.

Johns Hopkins Students
JHU believes in making their world-class education affordable for all. In fact, Johns Hopkins meets 100% of calculated need for admitted students and average need-based grant for first-year students is more than $38,000. We encourage you to contact Johns Hopkins University Student Financial Services to learn more about JHU scholarships, grants, jobs, and other ways to ensure you leave Baltimore with a lifetime of wisdom and memories—not student debt.


Behind the scenes of JHU 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 Johns Hopkins 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.