UC Berkeley Students and Alumni + Earnest
Welcome UC Berkeley Students and Alumni
You could pay less on your student loans
Check your refinancing rate in minutes
Fixed*
APR Starting at
- 0 - 1 - 2 - 3 - 4 - 5 - 6 - 7 - 8 - 9 . - 0 - 1 - 2 - 3 - 4 - 5 - 6 - 7 - 8 - 9 - 0 - 1 - 2 - 3 - 4 - 5 - 6 - 7 - 8 - 9 %
Variable*
APR Starting at
- 0 - 1 - 2 - 3 - 4 - 5 - 6 - 7 - 8 - 9 . - 0 - 1 - 2 - 3 - 4 - 5 - 6 - 7 - 8 - 9 - 0 - 1 - 2 - 3 - 4 - 5 - 6 - 7 - 8 - 9 %
( including 0.25%
Auto Pay
discount )
Why UC Berkeley students choose Earnest refinance
- Zero origination, repayment, or late fees
- Additional Auto Pay discount
- Skip a payment once a year without penalty fees
- Get support from a real human in under 90 seconds
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How it works
3 steps to refinance with Earnest
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Check your rate in minutes
Get a quick rate estimate with no impact on your credit score
)
Submit an application
Complete online or over the phone— get approved in as little as 24 hours
)
Customize your loan
Choose from up to 180 ways to pay that best fits your budget and goals
Refinance again if rates improve in the future
Don't miss out on savings. With Earnest, you can refinance again 30 days after disbursement.
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## Want to learn more about student loan refinancing?
Over 90% of student loan borrowers who could potentially save by refinancing never do it. Our guide helps you understand what student loan refinancing is, how it works, and how to find out if it’s right for you.
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Common refinancing questions
Student loan refi, simplified
Does refinancing my student loans cost money?
What if refinancing rates change?
Do I have to refinance all of my student loans?
Have more questions? Read our guide.
$26 billion
Total Student
Loans Refinanced
460,000+
Happy Clients
Earned
)
Excellent — 4.7 out of 5
*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, MS, NH, OH, TN, and TX.
1 Choosing 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.
2 Please 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.
3 Earnest 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.
4 Based on average call times from August 2024 to present. Subject to change.
5 Some applicants may get approved within 24 hours. Most applicants get a decision within 48 hours.
6 You may be able to refinance your Earnest Student Loan Refinance again. To be eligible, the loan must have been disbursed more than 30 days ago, it must not be past due, and you must not be enrolled in a hardship or bankruptcy forbearance, skip a pay or any interest-only repayment program. Keep in mind that a hard credit check will be required each time you refinance, which may impact your credit. Please review our Eligibility Guide & Requirements for further details.
7 This claim is based on analysis combining publicly available data and proprietary underwriting models. We applied our proprietary data and underwriting criteria to estimate the portion of borrowers who are credit-eligible and could achieve savings through refinancing. Actual savings and eligibility may vary based on individual circumstances, creditworthiness, and current loan terms. This analysis reflects market conditions as of 2025 and is subject to change.