# Parent Loan Refinancing

## Take the burden off your shoulders

You paid for college, now take care of yourself. Refinance your Parent Loan for a better interest rate or lower monthly payment.

[Check My Rate](/content/_/apply/earnest/student-loan-refi/index.html)

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## Today's Rates

### Low Rates

## See if you save on interest rates

Don’t settle for a high rate when you could be paying much less. Check your rate with **no credit impact.**

[Check My Rate](/content/_/apply/earnest/student-loan-refi/index.html)

**Fixed**  
Starting at  
## 3.94%APR

**Variable**  
Starting at  
## 5.58%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 save² 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)

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### Why Earnest?

## Exclusive benefits. Unmatched service.

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### Ultimate flexibility

Get your ideal monthly payment and loan term. See payoff scenarios before you sign.

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### People-first service

Speak to a knowledgeable and compassionate rep. Get personalized care and attention.

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### Low interest rates

Access some of the lowest starting rates in the industry, thanks to our individualized approach.

[Check My Rate](/content/_/apply/earnest/student-loan-refi/index.html)

## Reviews

### Here’s why our clients love us

- ### “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!”

— Edited for brevity

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Ryan  
⭐️⭐️⭐️⭐️⭐️

- ### “What a relief

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

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Stephanie  
⭐️⭐️⭐️⭐️⭐️

- ### “Earnest is awesome

Got a much better rate with them and was able to refinance again when my credit score got better!”

*Edited for brevity*

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Sabrina  
⭐️⭐️⭐️⭐️⭐️

- ### “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.”

— Edited for brevity

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Courtney  
⭐️⭐️⭐️⭐️⭐️

## How it works

### Fast. Simple. Effective.

### 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 new loan

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

### Frequently Asked Questions

#### Get the FAQs on student loan refinancing

### Who should consider refinancing with Earnest?

### Is it possible to refinance both federal and private student loans?

### Can I refinance just my high-interest loans?

Have more questions? [Visit the Resource Center.](/content/resources/index.html)

_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._