# Student Loan Refinancing

## GMAT Club members: Refinance your student loans with Earnest

## GMAT Club 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 GMAT Club 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.

## 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/_/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.

### 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

- ### “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

- ### “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

- ### “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

- ### “What a relief

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

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Stephanie