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Hawkeyes see a brighter future with Earnest student loans

University of Iowa is the oldest university in the state, upholding a tradition of academic excellence—but it’s the spirited culture and campus life that give Hawkeyes an unforgettable college experience. Earnest helps UI students and grads finance their education with smart, affordable student loans. Please note, the University of Iowa is not affiliated with Earnest and does not endorse Earnest's loans.


Hawkeyes enjoy a classic collegiate experience

Nestled in downtown Iowa City along the banks of the Iowa River

With the opportunity to study in a variety of top-ranked degree programs, Hawkeyes graduate with a distinct advantage in whichever career they pursue—whether that be with an MBA from Tippie College of Business, a JD from UI College of Law, or one of the medical fields, such as an MD from Carver College of Medicine or a DDS from UI College of Dentistry and Dental Clinics.

University of Iowa is well-known for a robust social scene that attracts students who work hard and play hard. When not exploring exhibits at Old Capitol Museum or the UI Museum of Art, they’re likely enjoying the food, nightlife, and festivals at Ped Mall. Accumulating 34 Big Ten Championships and 23 national championships, Iowa possesses loyal sports fans who proudly wear their Black and Gold.

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Keep a watchful eye on savings

Earnest student loans and student loan refinancing

Iowa Alumni
UI grads with student loan debt turn to Earnest for a seamless consolidation and refinancing experience. You are offered competitive rates based on your unique financial profile and you can customize your payments to work within your preferred budget and timeline. Wherever your Iowa education leads you—Earnest wants to save you money along the way.

Iowa Students
UI is dedicated to making a first-rate education affordable for all. In fact, 100% of financial aid applicants with financial need receive some form of aid, and the average award package is $16,386. We encourage you to contact the University of Iowa Office of Student Financial Aid to learn more about UI scholarships, grants, jobs, and other ways to ensure you leave Iowa City with a lifetime of wisdom and memories—not student debt.

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Behind the scenes of Iowa 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 UI 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.