Student Loan Refinancing

Towpath Credit Union members get $100 for refinancing

Receive a $100 bonus when you refinance at least $10,000. You could lower your student loan interest rate and put $100 towards your new loan with Earnest.
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 Towpath Credit Union link; 3) you must provide a valid email address and a valid checking account number during the application process; 4) your loan must be fully disbursed. Earnest will automatically transfer your bonus amount to your checking account after the final disbursement of your refinanced loan. There is a limit of one bonus per borrower. This bonus 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 can not be issued to residents of KY, MA or MI.
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Working together

Towpath Credit Union Exclusive

Towpath Credit Union has partnered with Earnest to assist its members in refinancing their 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
1.74%
( including 0.25% Auto Pay discount )
variable rates
Are loans that have an interest rate that will fluctuate over time
Starting at
2.99%
( including 0.25% Auto Pay discount )
fixed rates
Are loans that have an interest rate that will not fluctuate over time
Starting at
1.74%
( including 0.25% Auto Pay discount )
variable rates
Are loans that have an interest rate that will fluctuate over time
Starting at
2.99%
( 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.