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

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

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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](/content/_/slr-ui/rate-check/get-started/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.”  
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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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