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Top-bred savings for SMU Mustangs

For over a century, SMU has provided a first-class education to students in the booming Dallas-Fort Worth metro area. Earnest helps Mustangs finance their education with smart, affordable student loans. Please note, Southern Methodist University is not affiliated with Earnest and does not endorse Earnest's loans.


A proven method for professional success

Methodist-founded, business-oriented

Located just north of downtown Dallas in University Park and Highland Park—one of the most prestigious neighborhoods in the country—SMU provides incredible networking opportunities and college life in a city that has it all. Whether for Mustang athletics, performances hosted by SMU’s Meadows School of Arts, the George W. Bush Presidential Center, or other events, SMU attracts over 300,000 visitors annually.

SMU offers distinguished programs for MBAs and JDs in the Cox School of Business and Dedman School of Law. SMU even claims one of the best video game design graduate programs at its Plano satellite campus. And between the Residential Commons to The Boulevard on game day, to the ample Greek life, there are plenty of opportunities to have fun and make new friends.


Taming student loan debt

Earnest student loans and student loan refinancing

SMU Alumni
Mustangs with student debt gallop to Earnest for a seamless consolidation and refinancing experience. You are offered competitive rates based on your personal financial profile and Earnest provides the opportunity to customize your payments to fit your desired budget and timeline. Wherever your SMU degree takes you in life—Earnest wants to save you money along the way.

SMU Students
SMU is committed to helping students afford their educational goals. In fact, 78% of qualified Mustangs receive some form of financial aid. We encourage you to contact the SMU Financial Aid Office to learn more about SMU scholarships, grants, jobs, and other ways to ensure you leave Dallas with new friends and lasting memories—not student debt.


The full scoop on SMU 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 SMU 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.