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Refinance Student Loans
Financial flexibility when you need it most
No fees of any kind. Plus the ability to skip one payment annually with no penalties.
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 )
$26 billion
Total Student Loans Refinanced
460,000+
Happy Clients Earned
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Excellent — 4.7 out of 5
Why Earnest?
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.
- More time after graduation with a 9-month grace period.
- Up to 180 ways to customize your loan. Pick your exact monthly payment.
- See payment scenarios and how rates and term options impact your loan.
- Get a $200 referral bonus when you tell others about Earnest.
- Get 0.25% off your rate with Auto Pay.
- Consolidate federal and private student loans in one easy payment.
- Skip a payment once per year when you need breathing room.
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Find a low interest rate
We work hard to give you low rates to help you pay off your debt faster.
Fixed Starting at 3.94% APR ( including 0.25% Auto Pay discount )
Variable Starting at 5.58% APR ( including 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, MS, NH, OH, TN, and TX.
Common Refinancing Misconceptions
De-mystifying student loan refinancing
Are you interested in learning how refinancing works and where to begin? Explore these common misconceptions about refinancing to dispel the myths on your path to financial freedom.
"You can only refinance once"
“Refinancing costs money”
“Everyone qualifies for forgiveness”
How it works
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Check your rate in 2 minutes
Get a quick rate estimate with no impact to your credit score.
Submit an application
Fill out your application online or over the phone to secure a low rate.
Customize your loan
Choose your rate, term, and payment amount that works for your budget.
Why Earnest?
Here’s why our clients love us
“Exceptionally easy and fast process
Earnest does a great job of keeping you informed throughout the whole process through easy email updates.”
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John L.
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“The simplest process
There was no pressure and they addressed each of my questions and concerns before I signed anything. Easily the simplest process I've ever had regarding a loan.”
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Bobby S.
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“Earnest rocks!
So easy, so transparent, and so kind! I love all the information they give within it that makes me feel informed and on top of my loan payments.”
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Brianna
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“Thank you, Earnest!
This is the first company I have found that actually helps borrowers! I highly recommend it to anyone trying to lower their monthly payments and get out of debt once and for all!”
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Daniel B.
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“Definitely recommend
It was very easy to go through the whole process. I really could not believe how easy it was to use and get everything set up.”
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Heather
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“Refinanced in less than 5 mins
No hidden fees, a simplified loan agreement that’s easy to understand, and very fair fixed rates. I didn’t even think twice to finalize it.”
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K.D.
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“Great company
Easy and quick process. They explained everything and answered questions I had throughout the whole process.”
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Misty W..
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“Painless transition
Painless transition of refinancing my student loans!! Excellent customer service!! I am so pleased I chose Earnest!!”
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Nicholas M.
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“Great service!
I was able to speak with someone within 1 minute of my call. They were polite and answered every question I had. One of the best customer services!”
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Nicole K.
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“Great experience
The process was very simple and quick. Everything was explained very clearly, so I knew what I was doing throughout the whole process.”
— Edited for brevity
Russel C.
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Get the FAQs on student loan refinancing
Should I refinance my student loans?
When should I refinance my student loans?
Can I refinance only my high-interest loans?
Is it possible to refinance both federal and private student loans?
What credit score do I need to refinance my student loans?
Does refinancing student loans hurt your credit?
Do I have to be a U.S. Citizen or Permanent Resident?
How do I refinance my student loans?
Do you offer a rate discount?
What’s the difference between an APR and an interest rate?
Can I refinance consolidated student loans?
The Earnest Blog
Read up on student loan refinancing
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How to Refinance Student Loans With a Cosigner in 2026: A Quick Guide 16 min read
)
Student Loan Consolidation in 2026: Everything You Need to Know 13 min read
)
How to Refinance Student Loans in 2026: The Complete Guide 19 min read
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.
__As a result of ongoing court actions, the terms of some Income-Driven Repayment (IDR) plans may be subject to change. Please refer to studentaid.gov for the current status of these plans.