Student Loan Refinancing

Student Loan Planner readers get up to $1,000 for refinancing

Receive a $200 cash bonus when you refinance $50,000 to $99,999.99 or a $500 bonus (plus a $500 gift card from Student Loan Planner) when you refinance $100,000+

You could lower your student loan interest rate and put up to $1,000 towards your new loan with Earnest. Check your rate in just 2 minutes.
Bonus Disclosure: Terms and conditions apply. To qualify for this Earnest Bonus offer: 1) you must not currently be an Earnest client, or have received the bonus in the past, 2) you must submit a completed student loan refinancing application through the designated Student Loan Planner® link; 3) you must provide a valid email address and a valid checking account number during the application process; and 4) your loan must be fully disbursed. You will receive a $1,000 bonus if you refinance $100,000 or more, or a $200 bonus if you refinance an amount from $50,000 to $99,999.99. For the $1,000 Welcome Bonus offer, $500 will be paid directly by Student Loan Planner® via Giftly. Earnest will automatically transmit $500 to your checking account after the final disbursement. For the $200 Welcome Bonus offer, Earnest will automatically transmit the $200 bonus to your checking account after the final disbursement. There is a limit of one bonus per borrower. This offer is not valid for current Earnest clients who refinance their existing Earnest loans, clients who have previously received a bonus, or with any other bonus offers received from Earnest via this or any other channel. Bonus cannot be issued to residents in KY, MA, or MI.
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Lower Your Interest Rate

Ready to Refinance?

Student Loan Planner believes that everyone should have power over their money. That’s why they partnered with Earnest to help you refinance your student loans.

Refinancing Benefits

Get rewarded for paying your loans

You work hard to pay for your student loans. By refinancing, you get to reap the benefits of responsible financial choices.

  • Potentially save thousands
  • Customize your new loan payment
  • Remove a loan cosigner

Rate Check

Find a low interest rate

The lower your interest rate, the more money you can put towards the loan balance.

Check Your Rate
Starting at
1.88%
( including 0.25% Auto Pay discount )
variable rates
Are loans that have an interest rate that will fluctuate over time
Starting at
2.50%
( including 0.25% Auto Pay discount )
fixed rates
Are loans that have an interest rate that will not fluctuate over time
Starting at
1.88%
( including 0.25% Auto Pay discount )
variable rates
Are loans that have an interest rate that will fluctuate over time
Starting at
2.50%
( including 0.25% Auto Pay discount )
fixed rates
Are loans that have an interest rate that will not fluctuate over time

The lower your interest rate, the more money you can put towards the loan balance.