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Wisconsin Badgers dig Earnest student loans

Wisconsin’s flagship university, UW-Madison offers a Public Ivy education steps from the state Capitol. Earnest helps UW students and grads finance their education with smart, affordable student loans. Please note, the University of Wisconsin-Madison is not affiliated with Earnest and does not endorse Earnest's loans.


Discover limitless opportunities at UW-Madison

Where Badgers turn dreams into reality

Wisconsin offers top-ranked academic programs in a variety of fields that are sure to jumpstart your career—whether that be with an MBA from the Wisconsin School of Business, a JD from the University of Wisconsin Law School, an MD from the UW School of Medicine, or a PharmD from the UW School of Pharmacy.

Madison’s scenic campus sits along the shore of Lake Mendota, offering incredible sunsets and lakeside views. Badgers spend much of their time on the main quad atop Bascom Hill, where Memorial Union is located. Outside of class, competitive UW athletics offer plenty of chances to cheer the cardinal and white at Camp Randall Stadium and the Kohl Center. Madison is also the proud origin of renowned satirical newspaper The Onion.


Save green on your Public Ivy education

Earnest student loans and student loan refinancing

Wisconsin Alumni
UW 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 scenario and you can customize your payments to fit your preferred budget and timeline. Wherever your Wisconsin education leads you—Earnest wants to save you money along the way.

Wisconsin Students
UW-Madison is dedicated to making a first-class education affordable for families who lack the necessary resources. In fact, about 95% of applicants with financial need receive some form of financial aid and the average award is $13,229. We encourage you to contact the University of Wisconsin-Madison Office of Student Financial Aid to learn more about UW scholarships, grants, jobs, and other ways to ensure you leave Madison with a lifetime of wisdom and memories—not student debt.


Behind the scenes of UW 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 Wisconsin 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.