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Swoop up savings on Utah student loans

The oldest institution of higher education in the state, the University of Utah is located in scenic Salt Lake City, providing a beautiful backdrop to academic and athletic excellence. Earnest helps Utah students and grads finance their education with smart, affordable student loans. Please note, the University of Utah is not affiliated with Earnest and does not endorse Earnest's loans.


Exciting times in the heart of Deseret

A campus where successful careers take flight

The University of Utah is known for offering high-quality degree programs, and is home to the only medical school in Utah. Some of Utah’s most desirable programs include the MBA from David Eccles School of Business, a JD from S.J. Quinney College of Law, a PharmD from Utah’s College of Pharmacy, a DDS Utah’s School of Dentistry, and the MD from Utah’s School of Medicine.

The U’s campus is located in the Salt Lake Valley just east of downtown Salt Lake City, where red and white-clad Utes fill the stands at Rice-Eccles Stadium and the Jon M. Huntsman Center on gamedays. And although the U of U isn’t affiliated with a religion, they do have numerous LDS student organizations as a result of the large Mormon student community. Among the U’s accomplished alumni are Pixar founder Ed Catmull and Adobe founder John Warnock.


Making the U affordable for all

Earnest student loans and student loan refinancing

University of Utah Alumni
Utah 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 U of U education leads you—Earnest wants to save you money along the way.

University of Utah Students
The U offers many financial aid options to help Utes afford an amazing public education. In fact, 99.2% of applicants with financial need receive some form of aid and the average award is $18,997. We encourage you to contact the University of Utah Office of Scholarships and Financial Aid to learn more about Utah scholarships, grants, jobs, and other ways to ensure you leave Salt Lake City with a lifetime of wisdom and memories—not student debt.


Behind the scenes of Utah 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 Utah 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.