Earnest + White Coat Investor Student Loan Refinancing

Earn a $500 cash bonus and the Fire Your Financial Advisor Course ($799 Value) exclusively for being referred by White Coat Investor when you refinance your student loans with Earnest!

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Why Choose Earnest to Refinance Your Student Loans?

Save money on your student loans by refinancing with Earnest. Choose custom terms to fit your budget—like picking your exact monthly payment or selecting fixed and variable rates. Earnest allows you to customize your loan–choose your rate, term, and payment amount that works for your budget. Make a plan that fits your needs and start working your way out of debt. You won’t be penalized for making payments early. Get $500* when you sign a loan with Earnest using links on this page and refinance loans >$50K.

Lower rates through better data
Earnest uses data other lenders don’t—like your savings patterns, investments, and career trajectory—to give you the rate you deserve.

Industry best in-house service
Earnest has an industry-best Client Happiness team available via call, text or email.

More savings through custom terms
Pick the right payment, rate, and term for your budget.

Quick and seamless experience
Apply online, then manage your account payment preferences with Earnest’s intuitive dashboard.

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What Earnest Customers Say about Refinancing their Student Loans

“I was shocked at how easy the refinance process with Earnest was. I was also shocked to see how much I would save by refinancing.”

“Would recommend to ANYONE looking to refinance…They actually care about you as a person.”

“Checking with Earnest was one of the best moves I made. My interest rate was over one percent lower and I’m saving myself thousands!!!”

(Individual results may vary.)

Refinance with Earnest Today!

Earnest Student Loan Refinancing Terms and Conditions

Bonus Disclosure
Earnest Welcome Bonus Offer Disclosure: Terms and conditions apply. To qualify for this Earnest Welcome Bonus offer: 1) you must not currently be an Earnest client, or have received the bonus in the past, 2) you must submit a completed student loan refinancing application through the WCI link; 3) you must provide a valid email address and a valid checking account number during the application process; and 4) your loan must be fully disbursed. The bonus will be automatically transmitted to your checking account after the final disbursement. There is a limit of one bonus per borrower. This offer is not valid for current Earnest clients who refinance their existing Earnest loans, clients who have previously received a bonus, or with any other bonus offers received from Earnest. Bonus cannot be issued to residents in KY, MA, or MI. You can take advantage of the Auto Pay interest rate reduction by setting up and maintaining active and automatic ACH withdrawal of your loan payment. The interest rate reduction for Auto Pay will be available only while your loan is enrolled in Auto Pay. Interest rate incentives for utilizing Auto Pay may not be combined with certain private student loan repayment programs that also offer an interest rate reduction. For multi-party loans, only one party may enroll in Auto Pay.

Actual rate and available repayment terms will vary based on your income. Fixed rates range from 4.50% APR to 10.74% APR (excludes 0.25% Auto Pay discount). Variable rates range from 6.13% APR to 10.74% APR (excludes 0.25% Auto Pay discount). Earnest variable interest rate student loan refinance loans are based on a publicly available index, the 30-day Average Secured Overnight Financing Rate (SOFR) published by the Federal Reserve Bank of New York. The variable rate is based on the rate published on the 25th day, or the next business day, of the preceding calendar month, rounded to the nearest hundredth of a percent. The rate will not increase more than once per month. The maximum rate for your loan is 8.95% if your loan term is 10 years or less. For loan terms of more than 10 years to 15 years, the interest rate will never exceed 9.95%. For loan terms over 15 years, the interest rate will never exceed 11.95%. Please note, we are not able to offer variable rate loans in AK, IL, MN, NH, OH, TN, and TX. Our lowest rates are only available for our most credit qualified borrowers and contain our .25% auto pay discount from a checking or savings account.

Earnest Loan Cost Example: These examples provide estimates based on payments beginning immediately upon loan disbursement. Variable annual percentage rate (“APR”): A $10,000 loan with a 20-year term (240 monthly payments of $101.46) and a 10.74% APR would result in a total estimated payment amount of $24,350.40. For a variable loan, after your starting rate is set, your rate will then vary with the market. Fixed APR: A $10,000 loan with a 20-year term (240 monthly payments of $101.46) and a 10.74% APR would result in a total estimated payment amount of $24,350.40. Your actual repayment terms may vary.

Please note that you may lose benefits associated with your underlying federal loans, such as federal Income-driven Repayment Plans (an example of which is the SAVE plan), Economic Hardship Deferment, Public Service Loan Forgiveness, or other deferment and forbearance options, if you refinance into a private loan. If you file for bankruptcy, you may still be required to pay back this loan.

Earnest Loans are made by Earnest Operations LLC. Earnest Operations LLC, NMLS #1204917. 300 Frank H. Ogawa Plaza, Suite 340, Oakland 94612. California Financing Law License 6054788. Visit www.earnest.com/licenses for a full list of licensed states. For California residents: Loans will be arranged or made pursuant to a California Financing Law License.

Earnest loans are serviced by Earnest Operations LLC with support from Higher Education Loan Authority of the State of Missouri (MOHELA) (NMLS# 1442770). Earnest LLC and its subsidiaries, including Earnest Operations LLC, are not sponsored by agencies of the United States of America.