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True Blue Bruins save green with Earnest student loans

As the most applied-to university in America, UCLA balances award-winning academics with a laid-back Los Angeles lifestyle. Earnest helps Bruins finance their education with smart, affordable student loans. Please note, the University of California, Los Angeles is not affiliated with Earnest and does not endorse Earnest's loans.


Bright futures start in sunny SoCal

A world-renowned education in the hills of Westwood

Bruins hail from around the world to earn an MBA from the Anderson School of Management, a JD from UCLA School of Law, and medical degrees from the David Geffen School of Medicine and UCLA School of Dentistry. UCLA athletics have won 113 NCAA titles, proving that Bruins possess brains and brawn.

Alumni such as Jackie Robinson, Francis Ford Coppola, and Susan Wojcicki have all called the UCLA campus home—so you’ll wear your True Blue with pride as a Bruin. UCLA keeps its diverse student body engaged with dozens of cultural organizations, the LA Hacks hackathon, and close proximity to Hollywood and Beverly Hills.


The UCLA education you want, at a price you can afford

Earnest student loans and student loan refinancing

UCLA Alumni
Bruins with student debt turn to Earnest for a seamless consolidation and refinancing experience. Earnest offers competitive rates based on your individual financial profile and you also get the opportunity to customize your payments to accommodate your preferred budget and timeline. Wherever your UCLA degree has you headed—Earnest wants to save you money along the way.

UCLA Students
UCLA is dedicated to making their education affordable for all. In fact, 44% of undergraduate students pay zero tuition and 52% receive some form of financial assistance. We encourage you to contact UCLA Financial Aid & Scholarships to learn more about UCLA scholarships, grants, jobs, and other ways to ensure you leave LA with a lifetime of wisdom and memories—not student d

Behind the scenes of UCLA 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 UCLA 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.