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Buckeyes save big bucks with Earnest student loans

Ohio State is regarded among America’s most innovative public universities—and with a powerhouse athletic program and a booming job market in Columbus—Buckeyes have it all. Earnest helps OSU students and grads finance their education with smart, affordable student loans. Please note, The Ohio State University is not affiliated with Earnest and does not endorse Earnest's loans.


The capital of Ohio education

Enjoy college and start a career in Columbus

OSU is recognized as a best value ‘Public Ivy’ school, making the Ohio State degree program of your choice a wise investment in your future—whether that be an MBA from Fisher College of Business, a J.D. from Moritz College of Law, an MD from the College of Medicine, or a DDS from the College of Dentistry.

Ohio State’s main campus in Columbus is the 3rd largest university campus in the nation, home to the incredible Ohio Union, awe-inspiring Thompson Library, amazing campus food, and several world-class recreation centers. OSU upholds a tradition of dominant Big Ten athletic programs, and when you aren’t chanting OH-IO from Ohio Stadium and the Schottenstein Center, you can cheer on fellow Buckeyes in the Olympics—where OSU athletes have won 100 medals.


A smart investment in your future

Earnest student loans and student loan refinancing

Ohio State Alumni
OSU grads with student loan debt rely on Earnest for a seamless consolidation and refinancing experience. You receive competitive rate offers based on your personal financial profile and you can customize your payments to work with your desired budget and timeline. Wherever your Buckeye education leads you—Earnest wants to save you money along the way.

Ohio State Students
OSU strives to provide an affordable, high-value education. In fact, OSU awards an average of $14,094 in financial aid and 45% of Buckeyes graduate with zero student loan debt. We encourage you to contact the Ohio State University Student Financial Aid office to learn more about Ohio State scholarships, grants, jobs, and other ways to ensure you leave Columbus with a lifetime of wisdom and memories—not student debt.


Behind the scenes of Ohio State 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 OSU 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.