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Answering Temple's questions on student loan savings

Promising careers begin at Temple, where Owls receive a first-class education while enjoying life in historic Philadelphia. Earnest helps TU students and grads finance their education with smart, affordable student loans. Please note, Temple University is not affiliated with Earnest and does not endorse Earnest's loans.


A sanctuary for academic achievement

Temple provides wisdom—and wind beneath your wings

Since its original charter, Temple University has upheld a tradition of providing first-class professional degree programs in a variety of fields—including a DMD from the Kornberg School of Dentistry, an MD from the Lewis Katz School of Medicine, an MBA from the Fox School of Business, a Pharm. D from TUSP or a J.D. from the Beasley School of Law—Temple is sure to open a world of opportunity.

Located in North Philadelphia, Temple students are a short stroll away from Center City, with a great selection of food and entertainment, as well as the exciting nightlife of South Street. When Owls need a place to study or collaborate on projects, the state-of-the-art Temple TECH Center is a go-to. Whether you’re cheering on Owl football at Lincoln Financial Field, Owl basketball at Liacouras Center, or any other Temple athletics team—you’ll always be proud to wear Cherry and White.


Putting a cherry on top of savings

Earnest student loans and student loan refinancing

Temple Alumni
Temple grads with student debt rely on Earnest for a seamless consolidation and refinancing experience. You receive competitive rate offers based on your financial profile and you can customize your payments to work with your preferred budget and timeline. Whichever path you pursue with your Temple degree—Earnest wants to save you money along the way.

Temple Students
Temple believes that students from all economic backgrounds should have access to higher education, and around 60% of first-year students receive need-based aid with an average value of $15,000. In addition, all students are automatically considered for academic scholarships. We encourage you to contact Temple University Student Financial Services to learn more about Temple scholarships, grants, jobs, and other ways to ensure you leave Philly with a lifetime memories—not student debt.


Behind the scenes of Temple 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 Temple 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.