Physician On Fire | Earnest | Earnest
Student Loan Refinancing
Physician On Fire readers get $500 for refinancing
You could lower your student loan interest rate and put up $500 towards your new loan with Earnest.
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Lower Your Interest Rate
Ready to Refinance?
Physician on Fire 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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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.”
“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.”