Student Loan Refinancing

AOS members: Refinance your student loans with Earnest

The AOS has partnered with Earnest to help you take control of your student loans.

Check My Rate

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You could save with a lower interest rate

Ready to Refinance?

The AOS believes in empowering your financial journey. That's why we've partnered with Earnest to offer you student loan refinancing with an exclusive member bonus.

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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

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Find a low interest rate

The lower your interest rate, the more money you can put towards the loan balance.

Check My Rate

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
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• “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
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• “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
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• “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
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• “What a relief

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