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Rely on Earnest for Rutgers student loans

As the 8th oldest institution of higher education in the nation and the largest university in New Jersey, Rutgers upholds a long tradition of creating opportunities for Scarlet Knights. Earnest helps RU students and grads finance their education with smart, affordable student loans. Please note, Rutgers University is not affiliated with Earnest and does not endorse Earnest's loans.


The State University of New Jersey keeps the Garden State growing

A campus where history, culture, and world-class education meet

Celebrating its 250th anniversary in 2016, Rutgers University has offered exceptional degree programs in a variety of fields longer than most colleges have existed. Whether you strive for an MD from Robert Wood Johnson Medical School or a DMD from Rutgers School of Dental Medicine (both part of the prestigious RBHS), or an MBA from Rutgers Business School or a J.D. from Rutgers Law School—RU opens the door to a bright future.

With campuses in New Brunswick, Newark, and Camden, Rutgers scarlet is spread across New Jersey. The New Brunswick campus is the oldest and largest RU campus—as well as the the Birthplace of College Football. The annual Rutgers Day gives the entire community a chance to experience Rutgers student life and hospitality.

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New-fashioned student loans for New Jersey’s best students

Earnest student loans and student loan refinancing

Rutgers Alumni
RU grads with student loan debt turn to Earnest for a seamless consolidation and refinancing experience. You are offered competitive rates based on your personal financial situation and you can customize your payments to fit your desired budget and timeline. Wherever your Rutgers education leads you—Earnest wants to save you money along the way.

Rutgers Students
Rutgers is committed to helping students afford a first-class education. In fact, over 76% of RU students receive some form of aid, and the average financial aid offer is around $16,000. We encourage you to contact Rutgers University Office of Financial Aid to learn more about Rutgers scholarships, grants, jobs, and other ways to ensure you leave RU with a lifetime of wisdom and memories—not student debt.

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Behind the scenes of Rutgers 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 RU 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.