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Earnest — a haven for Yale student loan savings

Earning a degree from Yale puts students in an exceptional alumni network, including 5 presidents and 3 sitting Supreme Court justices. Earnest helps Elis finance their Ivy League education with smart, affordable student loans. Please note, Yale University is not affiliated with Earnest and does not endorse Earnest's loans.


Future leaders start at Yale

From college years to prosperous careers

Yale Law School provides what many consider the most prestigious J.D. in America, while the Yale School of Medicine is a hotbed of biomedical research, with several unique joint programs in addition to their M.D. program. And an MBA from the Yale SOM is sure to send business professionals on the fastrack to the boardroom of their choosing.

Although Yale is mostly known for academics, Bulldogs are passionate supporters of their athletic programs—especially at The Game, their annual gridiron face-off with rival Harvard. Yale’s historic central campus is located in downtown New Haven, a few blocks from the Medical Campus and Yale-New Haven Hospital. The Gothic architecture attracts many visitors, but two of the most eye-catching buildings on campus are the Beinecke Rare Book Library and the Yale Art and Architecture Building.


Making an Ivy League education affordable

Earnest student loans and student loan refinancing

Yale Alumni
Yale grads with student debt turn to Earnest for a seamless consolidation and refinancing experience. You are offered competitive rates, plus the ability to customize your payments to match your desired budget and timeline. Whichever direction your Yale education leads you—Earnest wants to save you money along the way.

Yale Students
Yale is dedicated to breaking down financial barriers—63% of undergraduates receive financial aid and families with a household income less than $65,000 are expected to contribute nothing. In fact, 83% of Yale undergraduate students graduate debt-free. We encourage you to contact Yale University Student Financial Services to learn more about Yale scholarships, grants, jobs, and other ways to ensure you leave New Haven with an Ivy League education and a lifetime of memories—not student debt.


Behind the scenes of Yale 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 Yale 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.