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Sustainable savings on UCSD student loans

One of America’s top research universities, UC San Diego offers a unique college experience to those looking for sunny surf weather, plus a superb degree. Earnest helps UCSD students and grads finance their education with smart, affordable student loans. Please note, the University of California, San Diego is not affiliated with Earnest and does not endorse Earnest's loans.


UCSD has some of the happiest students in the world

Tritons enjoy top-ranked education plus incredible SD food and nightlife

UC San Diego offers top-ranked academic programs in a variety of fields to ensure you’re on the path towards a rewarding career—whether that be with an MBA from the Rady School of Management, an MD from the UC San Diego School of Medicine, or a PharmD from the Skaggs School of Pharmacy and Pharmaceutical Sciences.

Located in the beautiful La Jolla neighborhood of San Diego, UCSD is known for the Stuart Collection of public art, including the famous Sun God statue. Also notable is the iconic Geisel Library—the world’s largest repository of original works of Theodor Geisel (Dr. Seuss). Despite the higher cost of living SoCal is known for, UCSD Tritons graduate with higher earning potential than most other state school graduates, making a UCSD degree a smart investment.

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Saving green on your Public Ivy education

Earnest student loans and student loan refinancing

UCSD Alumni
UCSD 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 UC San Diego education leads you—Earnest wants to save you money along the way.

UCSD Students
UCSD is dedicated to making a world-class education affordable for all. In fact, 96% of applicants with financial need receive some form of aid and the average award is $23,076. We encourage you to contact the UC San Diego Financial Aid and Scholarships Office to learn more about UCSD scholarships, grants, jobs, and other ways to ensure you leave San Diego with a lifetime of wisdom and memories—not student debt.

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Behind the scenes of UC San Diego 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 UCSD 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.