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REFINANCE STUDENT LOANS

Pay less interest.

Get more choice.

We offer student loan refinancing that fits your budget. Get your rate estimate without affecting your credit score.
2 Min: Get Your Rate

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You earned a degree—now you deserve a better interest rate

Student loan refinancing rewards your financial progress

When you refinance student loans, you consolidate your existing federal and private loans into a single loan—typically with a lower rate.

VARIABLE RATES

Starting at 2.54% APR
(including 0.25% Auto Pay discount)

FIXED RATES

Starting at 3.89% APR
(including 0.25% Auto Pay discount)

Paying off your student loans is easy with our dashboard

Payment flexibility, no fees, smart design

  • Choose your preferred payment based on your budget
  • Increase payment anytime to pay off loan faster
  • Adjust your payment date anytime with ease

  • Make extra or early payments without fees
  • Skip a payment and make it up later
  • Consolidate your private and federal loans

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How to refinance your student loans with Earnest

Save time and money in 4 easy steps

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1) RATE ESTIMATE

By analyzing information beyond your credit score, we can provide an instant rate estimate. You'll receive your final rate when your application has been approved.

2) APPLICATION

Our application gathers further information to fill out your profile—such as indicators of financial responsibility. Read our eligibility guide.

3) EVALUATION

We look at data other lenders don’t (like your savings, education, and earning potential) to offer fair, customized rates. Read more about what makes us different.

4) CUSTOMIZATION

If you’re approved to refinance, you can set your preferred monthly payment, based on your budget. Learn about our money-saving Precision Pricing.

Icons for estimated rate

1) RATE ESTIMATE

By analyzing information beyond your credit score, we can provide an instant rate estimate. You'll receive your final rate when your application has been approved.

Icons for loan application

2) APPLICATION

Our application gathers further information to fill out your profile—such as indicators of financial responsibility. Read our eligibility guide.

Icon for loan evaluation

3) EVALUATION

We look at data other lenders don’t (like your savings, education, and earning potential) to offer fair, customized rates. Read more about what makes us different.

Icons for loan customization

4) CUSTOMIZATION

If you’re approved to refinance, you can set your preferred monthly payment, based on your budget. Learn about our money-saving Precision Pricing.

Get Your Rate

Credit is complicated—learn the basics here

We’ve put together a library of essential resources (like how-to guides, comparisons, and calculators) to help you make better choices when it comes to refinancing student loans. And keep an eye out—we’re always adding more.

Browse Resource Library

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Common Questions About Student Loan Refinancing

Who should consider refinancing with Earnest?

We look for clients who have a strong history of financial responsibility, which can show itself in many ways. For example, some clients may have a limited credit history, but present healthy savings patterns and a career with strong earning potential.

When should I refinance my student loans?

The sooner you refinance, the more you could save. The longer you hold your loan at a higher rate, the more interest you are accruing—even if you are in a grace period. That being said, you must be employed or possess a job offer to be eligible to refinance with Earnest. The more your financial situation has improved since you took out the loans originally, the better your refinancing offer will be.

Can I refinance just my high-interest loans?

Once you’re approved, you are automatically approved for the total eligible student loan amount listed on your credit report. When you’re ready to accept your loan, you can choose to refinance less than the requested amount (as long as it’s above $5,000) or up to 105% of your approved amount.

Is it possible to refinance both federal and private student loans?

Absolutely. When considering refinancing your federal student loans, it is important to review the current protections and benefits you are granted with those loans, and understand which of those you may be giving up when refinancing with a private lender like Earnest.

Learn About Refinancing Student Loans on Our Blog

Explore Earnest products

Personal Loans

Personal Loans

Low-cost loans for qualified borrowers up to $75,000. Fixed rates from 6.99% APR.

Parent Plus Student Loans

Parent PLUS Refinancing

Personalized payment plans for extra savings. Variable rates start at 2.54% APR with autopay.