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Chomp into UF student loan savings

Between the time spent cheering on the Gators in The Swamp and preparing for exams in Smathers Library – UF students enjoy a vibrant social life while earning a top-quality public degree. Earnest helps Florida students and grads finance their education with smart, affordable student loans. Please note, the University of Florida is not affiliated with Earnest and does not endorse Earnest's loans.


An amazing student life in sunny Gainesville, FL

There’s a lot to love about being a Florida Gator

Between the two lakes on campus, The Samuel P. Harn Museum of Art, Curtis M. Phillips Center for the Performing Arts, and the University of Florida Southwest Recreation Center, Florida has a vibrant campus life. If you like to dance, you can join over 800 Gators who dance the night away for charity in the annual UF Dance Marathon. Florida athletic teams have won 33 team and 275 individual national championships, so you’ll never run out of excuses to wear your orange and blue with pride.


The University of Florida is ranked as a top-10 school for recruiting new employees—and over 160 startups have launched from UF in the last 12 years. In fact, the Sid Martin Biotechnology Incubator was awarded Incubator of the Year in 2013. Rated as one of the best-value colleges in the country, getting a Florida degree is a smart decision for your future.


Big savings for UF students

Earnest student loans and student loan refinancing

Florida Alumni
Student loan refinancing can be a tedious and confusing process—that’s why Earnest makes things as easy and convenient as possible. Through our intuitive online dashboard and personalized service, you can choose between consolidation and refinancing options designed for your unique financial profile. You can even match your payments to your desired budget and timeline.

Florida Students
The University of Florida is dedicated to providing an affordable education. Through the Florida Bright Futures Program and other aid options, over 66% of UF students graduate without student debt. We encourage you to contact the UF Office for Student Financial Affairs to learn more about Florida scholarships, grants, jobs, and other ways to ensure you leave Gainesville with lasting memories – not lasting debt.


Common questions about UF student loan refinancing

What you need to know 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.

Suggested reading for University of Florida students

Stay up-to-date with these valuable 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.