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Cavaliers slash student loans with Earnest

Since 1825, the University of Virginia has provided a ‘Public Ivy’ education from the heart of charming Charlottesville, VA. Earnest helps Cavalier students and grads finance their UVA education with smart, affordable student loans. Please note, the University of Virginia is not affiliated with Earnest and does not endorse Earnest's loans.


From the Grounds up in Charlottesville

Breeding success since 1819

Founded by Thomas Jefferson near his birthplace, UVA is considered to have one of the most beautiful campuses in the world. In fact, along with Jefferson’s home at Monticello, it is an official World Heritage Site. Students are attracted from around the world to the Darden School of Business and UVA Law School (both ranked among the top 3 for public universities).

While UVA is highly respected for its academic programs, the Cavaliers also lead the ACC in national championships for men’s sports (2nd in women’s). And with annual events like Springfest and Foxfield, life as a Wahoo is always fun.


Affordable excellence at UVA

Earnest student loans and student loan refinancing

University of Virginia Alumni
Earnest provides a seamless consolidation and refinancing experience for UVA grads with student loan debt. You are offered rates based on your specific financial profile, plus the ability to customize your payments to your preferred budget and timeline. Whichever career path you choose with your UVA degree, Earnest keeps you on course by simplifying your student debt.

University of Virginia Students
UVA is committed to Affordable Excellence—as one of only two public universities to meet 100% need for all in-state and out-of-state students. We encourage you to contact the University of Virginia Student Financial Services to learn more about UVA scholarships, grants, jobs, and other ways to ensure you leave Charlottesville with new friendships and career opportunities—not student debt.


Behind the scenes of UVA 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 UVA 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.