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!
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’s Precision Pricing matches your custom term with a custom interest rate—saving you even more money when refinancing. Make a plan that fits your needs and start working your way out of debt. You won’t be passed off to a third-party servicer nor penalized for making payments early. Your family is always protected with loan forgiveness in cases of death and dismemberment. The minimum amount to refinance is $5K and maximum is $500K. 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.
Expert in-house service
Earnest has an industry-best Client Happiness team available via call, text or email.
More savings through custom terms
The Precision Pricing™ tool to save extra cash. 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.
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!!!”
Earnest Student Loan Refinancing Terms and Conditions
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.Auto Pay Discount DisclosureYou 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.Lender Identification FootnoteEarnest Loans are made by Earnest Operations LLC or One American Bank, Member FDIC. Earnest Operations LLC, NMLS #1204917. 535 Mission St., Suite 1663, San Francisco, CA 94105. California Financing Law License 6054788. Visit earnest.com/licenses for a full list of licensed states.One American Bank, 515 S. Minnesota Ave, Sioux Falls, SD 57104. Earnest loans are serviced by Earnest Operations LLC with support from Navient Solutions LLC (NMLS #212430). One American Bank and Earnest LLC and its subsidiaries are not sponsored by or agencies of the United States of America.© 2021 Earnest LLC. All rights reserved.
Actual rate and available repayment terms will vary based on your income. Fixed rates range from 4.24% APR to 9.24% APR (excludes 0.25% Auto Pay discount). Variable rates range from 3.49% APR to 8.24% 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.