# Student Loan Refinance ## Financial flexibility when you need it most ### No fees of any kind. Plus the ability to skip one payment annually with no penalties. [Check My Rate](/content/_/apply/earnest/student-loan-refi/index.html) 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 ) )](https://www.trustpilot.com/review/earnest.com) ###### Excellent — 4.7 out of 5 Why Earnest? Rates How It Works Reviews FAQs [Check My Rate](/content/_/apply/earnest/student-loan-refi/index.html) Please note that you will lose benefits associated with your underlying federal loans, such as federal Income-driven Repayment Plans, Economic Hardship Deferment, Public Service Loan Forgiveness, or other deferment and forbearance options, if you refinance into a private loan. If you file for bankruptcy, you may still be required to pay back this loan. See [https://studentaid.gov](https://studentaid.gov/) for more information. ## 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 up to 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](https://help.earnest.com/hc/en-us/articles/218736348-How-do-I-skip-a-payment-and-when-am-I-eligible-to-do-so-) once per year when you need breathing room ) ## Find a low interest rate We work hard to give you low rates to help you pay off your debt faster. [Check My Rate](/content/_/apply/earnest/student-loan-refi/index.html) 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. ## Confused about student loan refinancing? You’re not alone—over 90% of student loan borrowers who could potentially save by refinancing never do it. Our guide helps you understand what student loan refinancing is, how it works, and how to find out if it’s right for you. [See the Guide](https://a-us.storyblok.com/f/1016673/x/4e45ae3dba/refinancing_borrower_guide-2026.pdf) ) ### 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 ### Check your rate in minutes Get a quick rate estimate with no impact to your credit score. ### Consider a cosigner If you think you need to boost your approval odds, consider adding a cosigner with strong credit. ### 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. [Check My Rate](/content/_/apply/earnest/student-loan-refi/index.html) ## 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.” — Edited for brevity * * * John L. star iconstar iconstar iconstar iconstar icon - ### “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.” — Edited for brevity * * * Bobby S. star iconstar iconstar iconstar iconstar icon - ### “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.” — Edited for brevity * * * Brianna star iconstar iconstar iconstar iconstar icon - ### “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!” — Edited for brevity * * * Daniel B. star iconstar iconstar iconstar iconstar icon - ### “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.” — Edited for brevity * * * Heather star iconstar iconstar iconstar iconstar icon - ### “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.” — Edited for brevity * * * K.D. star iconstar iconstar iconstar iconstar icon - ### “Great company Easy and quick process. They explained everything and answered questions I had throughout the whole process.” — Edited for brevity * * * Misty W.. star iconstar iconstar iconstar iconstar icon - ### “Painless transition Painless transition of refinancing my student loans!! Excellent customer service!! I am so pleased I chose Earnest!!” — Edited for brevity * * * Nicholas M. star iconstar iconstar iconstar iconstar icon - ### “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!” — Edited for brevity * * * Nicole K. star iconstar iconstar iconstar iconstar icon - ### “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. star iconstar iconstar iconstar iconstar icon #### Get the FAQs on student loan refinancing ### Should I refinance my student loans? ### Can I add a cosigner? ### When should I refinance my student loans? ### Can I refinance only my high-interest loans? ### Can I keep my current grace period? ### Do I need to have an income to qualify? ### 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? [Check My Rate](/content/_/apply/earnest/student-loan-refi/index.html)