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Student loans designed for Northwestern

Whether they spend their time in Evanston or Streeterville, Wildcats have many paths to choose next with their Northwestern degree. Earnest helps Northwestern students and grads finance their education with smart, affordable student loans. Please note, Northwestern University is not affiliated with Earnest and does not endorse Earnest's loans.


Northwestern provides a world-class experience across the world

From the shores of Lake Michigan to the Persian Gulf

Northwestern University is dedicated to providing an enriching college experience from its three campuses – Evanston, Chicago, and the newest campus in Doha, Qatar. Northwestern graduate schools are desirable as well—with Kellogg School of Management ranking #5 for MBAs, Pritzker School of Law ranking #12 for JDs, and Feinberg School of Medicine ranking #17 for MDs.

Taking its name from the school colors, the Purple Line runs straight from Chicago into the heart of Northwestern’s campus. And from pick-up soccer games at Lakeside Fields to stargazing from Dearborn Observatory and dancing to the beat at Dillo Day, Northwestern offers a variety of superb student activities.

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Earnest paints The Rock with savings

A solid foundation for a successful future

Northwestern Alumni
Through Earnest’s intuitive online dashboard and personalized service, Northwestern grads are provided a seamless consolidation and refinancing experience. You’re offered rates based on your specific financial situation and you can even customize your payments to fit your desired budget and timeline. Wherever your Northwestern degree is taking you – we want to help you get there on your terms.

Northwestern Students
Northwestern is committed to making a world-class education affordable for all. Over 62% of Northwestern undergrads receive financial aid, and students with a family income under $30,000 receive an average aid package of $50,000. We encourage you to contact the Northwestern University Financial Aid Office to learn more about Northwestern scholarships, grants, jobs, and other ways to leave Evanston with new memories and lasting friendships – not debt.

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Important questions about Northwestern 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 Northwestern students

Arm yourself with the latest information

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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.