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Tar Heels stick with Earnest for affordable student loans

UNC was America’s first public university, and this “Public Ivy” continues to raise the standard for academic excellence. Earnest helps Tar Heels finance their education with smart, affordable student loans. Please note, the University of North Carolina at Chapel Hill is not affiliated with Earnest and does not endorse Earnest's loans.


Experience college life in the South

The best public education in the Tar Heel State

Located in Chapel Hill—part of North Carolina’s Research Triangle—Carolina’s main campus is comprised of two central quads, Polk Place and McCorkle Place. The university’s symbol, the Old Well, houses a drinking fountain that provides good luck to freshmen.

From a Kenan-Flagler MBA to a PharmD from the Eshelman School of Pharmacy, UNC offers some of the most sought-after degrees in the country. UNC also has a strong record of competitive ACC sports teams, but you haven’t truly experienced Carolina athletics until you’ve cheered on the Heels in the Smith Center in a sea of Carolina Blue.

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An Ivy League experience for public school prices

Earnest student loans and student loan refinancing

Carolina Alumni
Tar Heels with student debt turn to Earnest for a seamless consolidation and refinancing experience. Earnest offers competitive rates based on your unique financial situation, plus the ability to customize your payments to fit your preferred budget and timeline. Wherever your Carolina education takes you—Earnest wants to save you money along the way.

Carolina Students
UNC is committed to eliminating financial barriers for Tar Heels through a variety of scholarships—and their Carolina Covenant program provides an opportunity for low-income students to graduate debt-free. We encourage you to contact the UNC Office of Scholarships and Student Aid to learn more about Carolina scholarships, grants, jobs, and other ways to ensure you leave Chapel Hill with newfound wisdom, friendships, and lasting memories—not student debt.

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Behind the scenes of UNC 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 Carolina 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.