# 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: - 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. ## 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](https://a-us.storyblok.com/f/1016673/x/4e45ae3dba/refinancing_borrower_guide-2026.pdf) ) ## 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. - 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 ) ## 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 - ### “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 - ### “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 - ### “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 - ### “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 - ### “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 - ### “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 - ### “Great company Easy and quick process. They explained everything and answered questions I had throughout the whole process.” — Edited for brevity - ### “Painless transition Painless transition of refinancing my student loans!! Excellent customer service!! I am so pleased I chose Earnest!!” — Edited for brevity - ### “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 - ### “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 ## 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](/content/blog/student-loan-interest-rates-2024/index.html) [Is MBA Student Loan Refinance Right for Me?](/content/blog/mba-student-loan-refinance/index.html) [How to Refinance Student Loans in 2025: The Complete Guide](/content/blog/how-to-refinance-student-loans/index.html) *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.*