Refinance Law School Loans

It’s the right time to refinance your law school loans

You could pay off your debt faster with a lower rate for lawyers and law professionals. And you get the option to refinance again later if rates drop even more.

Fixed

APR Starting at

3.74% APR

Variable

APR Starting at

5.43% APR

( including 0.25% Auto Pay discount )

Not all borrowers may qualify. For graduates with a JD degree and existing student loan balances greater than $100,000.

$26 billion

Total Student Loans Refinanced

460,000+

Happy Clients Earned

Excellent — 4.7 out of 5

Refinancing 101

Is refinancing right for you?

We want to make sure you understand all of your options so you can make informed decisions about your law school student loans. Refinancing might be right for you if:

• You want to lower your monthly payments
• You want to reduce the overall cost of your loans
• You want to combine all your loans into one easy payment
• You want the option to refinance again for a lower rate later
• You don’t qualify for federal student loan forgiveness
• You no longer benefit from income-driven repayment plans

Find a low interest rate

We work hard to give you low rates to help you pay off your debt faster.

Why Earnest?

You put in the work and so do we

• Get the speed, ease, and flexibility you need to pay down your law school student loans.
• Check your rate in minutes with no credit impact
• Apply in under 10 minutes
• Most get a decision within 48 hours
• Choose how much you want to pay
• Select monthly or biweekly payments
• Get 0.25% off your rate with Auto Pay
• Enjoy absolutely no fees
• Skip a payment without penalties

How it works

Check your rate in minutes

Get a quick rate estimate with no impact to your credit score.

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.

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.”

• “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.”

• “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.”

• “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!”

An easier way to pay off your student loans

Simplify your loans

You could: get a better rate, remove a cosigner, and combine all your loans into one easy payment.

Pay off debt faster

You could pay more each month with a lower interest rate for faster pay-off.

Focus on your goals

Or you could lower your payments to build up savings, buy a house, or contribute to your retirement.

Get the FAQs on student loan refinancing

Can I get a lower rate for refinancing my law school loans?

Should I refinance my student loans?

Can I keep my current grace period?

Do I need to have an income to qualify?

When should I refinance my law school loans?

Can I refinance only my high-interest loans?

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 law school loans?

Do you offer a rate discount?

What’s the difference between an APR and an interest rate?

1 This claim is based on analysis combining publicly available data and proprietary underwriting models. We applied our proprietary data and underwriting criteria to estimate the portion of borrowers who are credit-eligible and could achieve savings through refinancing. Actual savings and eligibility may vary based on individual circumstances, creditworthiness, and current loan terms. This analysis reflects market conditions as of 2025 and is subject to change.

Adding a cosigner does not guarantee approval or a lower rate.

Earnest will match up to nine months of your current grace period from your refinance date, or until your original grace period end date (whichever occurs first). Not available with the Principal and Interest Repayment plan while in school. Proof of grace and income verification required.