Student Loan Refinancing

Doctors Without Quarters clients get up to $500 for refinancing

Receive a $200 bonus when you refinance up to $150,000 or a $500 bonus when you refinance $150,000+. You could lower your student loan interest rate and put up to $500 towards your new loan with Earnest.

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Lower Your Interest Rate

Ready to Refinance?

DWOQ 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.

• Potentially save thousands
• Customize your new loan payment
• Remove a loan cosigner

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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.

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

• “Such a stress-reliever

  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

• “Happy I found Earnest

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

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Lauren

• “The best place to refinance

  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

• “Earnest is awesome

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

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Sabrina

• “What a relief

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

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Stephanie