American Psychiatric Association | Earnest | Earnest

Student Loan Refinancing

American Psychiatric Association Members get $300 for refinancing

You could lower your student loan interest rate and put up $300 towards your new loan with Earnest.

Check My Rate

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Lower Your Interest Rate

Ready to Refinance?

The American Psychiatric Association believes that everyone should have power over their money. That’s why they partnered with Earnest to help you refinance your student loans.

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Refinancing Benefits

Get rewarded for paying your loans

You work hard to pay for your student loans. By refinancing, you get to reap the benefits of responsible financial choices.

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Rate Check

Find a low interest rate

The lower your interest rate, the more money you can put towards the loan balance.

Check My Rate

Variable Rates

Starting at

5.58% APR

( including a 0.25% Auto Pay discount )

Fixed Rates

Starting at

3.94% APR

(Including a 0.25% Auto Pay discount )

These are our lowest starting rates and contain our 0.25% Auto Pay discount from a checking or savings account. Some borrowers may see higher rates based on their credit. Variable rates not available in AK, IL, MN, NH, OH, TN, and TX.

Why Earnest

Here's why our clients love us

For the first time, it feels like I may be able to actually pay down my student loan debt and have some control over my future.”

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Courtney

The approval process was much better than other companies and truly focused on helping people reduce their interest rates.”

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Lauren

In only 5 minutes I was approved at half the monthly cost and interest percentage! I'm glad I went through Earnest!”

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Ryan

Got a much better rate with them and was able to refinance again when my credit score got better!”

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Sabrina

Compared with other refinance options, Earnest offered me the best rate and was the most transparent.”

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Stephanie