Brown Students and Alumni + Earnest
Welcome Brown 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 Brown 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
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Submit an application
Complete online or over the phone—get approved in as little as 24 hours
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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
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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.