# Student Loan Refinancing

## Welcome, Chime Members

## You could save with a lower interest rate from Earnest.

[Check My Rate](/content/_/apply/earnest/student-loan-refi/index.html)

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## Refinancing Benefits

## Why borrowers choose Earnest

- Refinancing options designed to fit your life. And the option to refinance later when life changes.
- Never pay any fees, not even late payment fees.
- Up to 180 ways to customize your loan, letting you choose how much you pay.
- See payment scenarios and how different rates and terms impact your total loan.
- Consolidate federal and private student loans in one easy payment.
- Skip a payment once per year when you need breathing room.

[Learn More](/content/refinance-student-loans/index.html)

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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](/content/_/apply/earnest/student-loan-refi/index.html)

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."
- ### "Happy I found Earnest
  
  The approval process was much better than other companies and truly focused on helping people reduce their interest rates."
- ### "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!"
- ### "Earnest is awesome
  
  Got a much better rate with them and was able to refinance again when my credit score got better!"
- ### "What a relief
  
  Compared with other refinance options, Earnest offered me the best rate and was the most transparent."

## Disclaimers

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.