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Lone Star State-sized savings on Texas A&M student loans

The biggest university in the state, Texas A&M combines a top public education, Aggie athletics, and vibrant campus life in College Station to deliver one of America’s top collegiate experiences. Earnest helps A&M students and grads finance their education with smart, affordable student loans. Please note, Texas A&M University is not affiliated with Earnest and does not endorse Earnest's loans.


Bright futures are built in Aggieland

Texas A&M upholds a tradition of knowledge, research, and innovation

Although originally known for its agriculture and mechanical programs, Texas A&M offers top-ranked degree programs in a wide range of fields. Among their most desirable programs are an MBA from Mays Business School, a JD from A&M School of Law, an MS from one of many highly-regarded tracks in the College of Engineering, or a DVM from the College of Veterinary Medicine and Biological Sciences.

Located in College Station and spanning 5,200 acres, Texas A&M has one of the largest campuses in the country and is one of the few campuses with a presidential library—the George Bush Presidential Library—as well as a Corps of Cadets. Brazos County provides ample big city amenities with small town charm that perfectly sums up life in Aggieland. A&M students are passionate about sports—with the 12th Man filling the seats at Kyle Field with maroon and white every Saturday.

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Get your degree without giving away the farm

Earnest student loans and student loan refinancing

Texas A&M University Alumni
A&M grads with student loan debt rely on Earnest for a seamless consolidation and refinancing experience. You receive competitive rate offers based on your personal financial profile and you can customize your payments to work with your desired budget and timeline. Wherever your Aggie education leads you—Earnest wants to save you money along the way.

Texas A&M University Students
A&M offers many financial aid options to help Aggies afford the education they desire. In fact, 95.9% of applicants with financial need receive some form of aid and the average award is $15,337. We encourage you to contact the Texas A&M University Scholarships and Financial Aid office to learn more about A&M scholarships, grants, jobs, and other ways to ensure you leave College Station with a lifetime of wisdom and memories—not student debt.

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Behind the scenes of Texas A&M 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 A&M 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.