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!
FYFA course must be claimed within 90 days of loan disbursement. To claim free course enrollment, visit here. An account will be created for you at wcicourses.com and you will receive an email with access instructions upon verification from the lender. Course access instructions are sent out once a month, generally the first week of the month.
See if you can save money1 on your student loans by refinancing2 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.
Potentially 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.
Medical school is a major investment, and Earnest offers features designed to support students through graduation, residency, and beyond. Borrowers can cover up to 100% of their school-certified cost of attendance, receive up to a 9-month grace period3, and access up to 48 months of residency deferment. Flexible repayment options, the ability to skip one payment4 every 12 months when eligible, and competitive fixed rate APRs (including a 0.25% Auto Pay5 discount) help future medical professionals manage costs with greater confidence.
“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.)
1Choosing to refinance to a longer term may lower your monthly payment, but increase the amount of interest you may pay. Choosing to refinance to a shorter term may increase your monthly payment, but lower the amount of interest you may pay. Review your loan documentation for the total cost of your refinanced loan.
2Please note that you will lose benefits associated with your underlying federal loans, such as federal Income-driven Repayment Plans, 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.
3Earnest will match up to nine months of your current grace period from your refinance date, or until your original grace period end date (whichever occurs first). Not available with the Principal and Interest Repayment plan while in school. Proof of grace and income verification required.
4Earnest clients may skip a payment through a one, one-month forbearance during a 12 month period. Your first request to skip a payment can be made once you've made at least 6 months of consecutive on-time full principal and interest payments, and your loan is in good standing. The interest accrued during the skipped month will result in an increase in your remaining minimum payment. The final payoff date on your loan will be extended by the length of the skipped payment periods. Any unpaid accrued interest may capitalize (added to the principal balance) at the end of the forbearance period by adding unpaid accrued interest to the outstanding principal as permitted by law and the terms of the loan agreement. Interest will not be capitalized on loans originated to Michigan residents under the Regulatory Loan Act of 1963. Please be aware that a skipped payment does count toward the forbearance limits. Please note that skipping a payment is not guaranteed and is at Earnest's discretion. Your monthly payment and total loan cost may increase as a result of postponing your payment and extending your term.
5You can take advantage of the Auto Pay interest rate reduction by setting up and maintaining active and automatic ACH withdrawal of your loan payment from a checking or savings account. 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.
APR Disclosure:
Actual rate will vary based on your financial profile. Fixed annual percentage rates (APR) range from 3.99% APR to 10.24% APR (3.74% – 9.99% with .25% auto pay discount). Variable annual percentage rates (APR) range from 5.98% to 10.24% (5.73% – 9.99% with .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 a month, but there is no limit on the amount that the rate could increase at one time. Please note, we are not able to offer variable rate loans in AK, IL, MN, MS, NH, OH, TN, and TX. Our lowest rates are available only to the most creditworthy borrowers and require selecting the shortest loan term, enrolling in the 0.25% Auto Pay discount, qualifying for the Grad Degree Discount of up to 0.65%, and applying through a participating partner referral link, which provides an additional 0.25% rate discount. Enrolling in Auto Pay is not required as a condition for approval.
HBG Discount Disclosure: Not all applicants will qualify. To be eligible for this discount, you must hold a graduate degree such as a DDS, DO, DVM, MD, PharmD, MBA, JD, or another qualifying graduate medical degree, and have existing student loan balances exceeding $100,000.
Bonus not available to residents of KY, MA, or MI. 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 serviced by Earnest Operations LLC, 535 Mission St., Suite 1663 San Francisco, CA 94105, NMLS #1204917, with support from Higher Education Loan Authority of the State of Missouri (MOHELA) (NMLS# 1442770). One American Bank, FinWise Bank, and Earnest LLC and its subsidiaries, including Earnest Operations LLC, are not sponsored by agencies of the United States of America.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 LLC and its subsidiaries, including Earnest Operations LLC, are not sponsored by agencies of the United States of America.© 2024 Earnest LLC. All rights reserved.