MBA Loan Refinance for Graduates | Rates Start at 3.74% APR* | Earnest

Refinance Business School Loans

Business school debt doesn’t have to define your career path.

Zero fees - no origination, application, or late fees. Plus, get a special MBA only rate discount.

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)

Not all borrowers may qualify. For graduates with an MBA 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

Is refinancing right for you?

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

)

Find a low interest rate

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

Fixed

Starting at

3.74%APR

Variable

Starting at

5.43%APR

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.

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

)

Why Earnest?

You put in the work and so do we

Get the speed, ease, and flexibility you need to pay down your business school student loans. Plus, get the option to easily refinance again if rates drop later.

)

How it works

  1. Check your rate in minutes

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

  2. Submit an application

    Fill out your application online or over the phone to secure a low rate.

  3. Customize your loan

    Choose your rate, term, and payment amount that works for your budget.

Why Earnest?

Here’s why our clients love us

Earnest does a great job of keeping you informed throughout the whole process through easy email updates.”
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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.”
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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.”
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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!”
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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.”
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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.”
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Easy and quick process. They explained everything and answered questions I had throughout the whole process.”
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Painless transition of refinancing my student loans!! Excellent customer service!! I am so pleased I chose Earnest!!”
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​​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!”
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The process was very simple and quick. Everything was explained very clearly, so I knew what I was doing throughout the whole process.”
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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 MBA loans?

Should I refinance my student loans?

When should I refinance my business school loans?

Can I add a cosigner?

Can I refinance only my high-interest loans?

Do I need to have an income to qualify?

Can I keep my current grace period?

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 MBA student loans?

Do you offer a rate discount?

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

Read up on student loan refinancing

2024 student loan interest rates drop — first time in four years

Is MBA Student Loan Refinance Right for Me?
How to Refinance Student Loans in 2025: The Complete Guide

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.