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NYU + Earnest student loans = savings that never sleep

Lucky NYU Violets get to enjoy the vibrant Union Square and Greenwich Village neighborhoods, all while receiving a world-class education. At Earnest, we help NYU students and grads afford their unforgettable—yet expensive—NYC experience. Please note, New York University is not affiliated with Earnest and does not endorse Earnest's loans.


A world-class education in the world’s classiest city

NYU provides insight across the globe

The historic New York University has over 20 schools located in six different campuses throughout Manhattan and Brooklyn, with the main campus spread across Washington Square and Union Square in Greenwich Village. The university also operates 14 Global Academic Centers, as well as Portal Campuses at NYU Abu Dhabi and NYU Shanghai.

NYU is consistently ranked as a top-10 “dream school” by the Princeton Review—with the NYU School of Law, NYU School of Medicine, and Stern School of Business all considered top choices in their respective fields. And from performances at the Skirball Center to browsing the stacks at Bobst Library, plus free access to NYC museums with your NYUCard, there will be plenty of opportunities to make new friends and lasting memories.


Big savings in the Big Apple

Earnest student loans and student loan refinancing

NYU Alumni
Earnest has simplified student loan management into a seamless consolidation and refinancing experience for NYU grads. We offer rates based on your unique financial profile and allow you to customize your payments to match your preferred budget and timeline. No matter what you plan to do with your NYU degree – we want to save you money along the way.

NYU Students
Getting a first-class education is expensive, but New York University provides many options for those who need financial aid. We encourage you to contact the New York University Financial Aid Office to learn more about NYU scholarships, grants, jobs, and other ways to ensure you collect a lifetime o


Common questions about NYU 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 NYU 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.