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Anchoring big savings on Vanderbilt student loans

Founded in 1873 with an endowment from shipping magnate Cornelius Vanderbilt, VU upholds a long tradition of academic excellence and leading research activity in Nashville. Earnest helps Vandy students and grads finance their education with smart, affordable student loans. Please note, Vanderbilt University is not affiliated with Earnest and does not endorse Earnest's loans.

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Commodores climb aboard for Vandy campus life

A green oasis in the heart of Music City

With world-renowned academics (leading some to call it the ‘Harvard of the South’), Vandy possesses several degree programs that consistently rank near the top of their areas of study. Some of Vanderbilt’s most prominent degrees include an MBA from Owen Graduate School of Management, a JD from Vanderbilt Law School, an MD from Vanderbilt School of Medicine, and the selection of Master’s and Ph.D. programs from the highly-acclaimed Peabody College of Education and Human Development.

Located in the West End neighborhood of Nashville, Vanderbilt’s campus is a national arboretum that spans 330 acres and is noted as one of the most beautiful campuses in the country. Rich in culture, the campus includes historical sites such as the Bicentennial Oak, the Fine Arts Gallery, and the Wyatt Center. While mostly known for its academics, Vandy is a founding member of the SEC conference, and Commodores faithfully fill the seats of Vanderbilt Stadium with black and gold.

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A handy guide to Vandy financial aid

Earnest student loans and student loan refinancing

Vanderbilt University Alumni
Vandy 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 Vanderbilt education leads you—Earnest wants to save you money along the way.

Vanderbilt University Students
VU is committed to making their education affordable and accessible to Commodores from all financial backgrounds. In fact, 99.2% of applicants with financial need receive some form of aid and the average award is $45,640. We encourage you to contact the Vanderbilt University Office of Student Financial Aid and Scholarships to learn more about Vandy scholarships, grants, jobs, and other ways to ensure you leave Nashville with a lifetime of wisdom and memories—not student debt.

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Behind the scenes of Vanderbilt 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 Vandy 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.