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University of Cincinnati student loans from Earnest get two paws up

The second largest university in Ohio, UC combines academic and real-world experience to ensure Bearcats thrive after college. Earnest helps UC students and grads finance their education with smart, affordable student loans. Please note, the University of Cincinnati is not affiliated with Earnest and does not endorse Earnest's loans.


Blaze a bright future at UC

Cutting-edge research and a midwestern urban renaissance

Bearcats have access to world-class degree programs in a variety of career paths—whether that be with an MBA from Carl H. Lindner College of Business, a JD from UC College of Law, or one of the medical fields, such as an MD from UC College of Medicine or a PharmD from the Winkle College of Pharmacy.

Cincinnati’s Uptown Campus is world-renowned for its stunning architecture, creating a striking juxtaposition of Gothic and modern buildings. With highly competitive basketball and football programs, you’ll have plenty of opportunities to cheer the black and red in Fifth Third Arena and Nippert Stadium.


Lowering student debt to the ‘bear’ minimum

Earnest student loans and student loan refinancing

Cincinnati Alumni
UC grads rely on Earnest for a seamless student loan consolidation and refinancing experience. You are offered competitive rates based on your unique financial situation, plus the ability to customize your payments to match your preferred budget and timeline. Wherever your Cincinnati education leads you—Earnest wants to save you money along the way.

Cincinnati Students
UC is dedicated to providing a great education, while reducing your out-of-pocket expenses as much as possible. About 59% of students receive some form of financial aid, and the average aid package for incoming freshmen is $13,713. We encourage you to contact the University of Cincinnati Student Financial Aid office to learn more about UC scholarships, grants, jobs, and other ways to ensure you leave Cincinnati with a lifetime of wisdom and memories—not student debt.

Behind the scenes of Cincinnati 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 UC 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.