Refinance Before You Graduate | Earnest Student Loan Refinancing | Earnest
You signed the offer. Now lock in the savings¹.
Grads don’t have to wait to graduate to start saving
Earnest lets grad students refinance while in school, and keep your grace period
How a longer grace period helps you
Refinance now. Start paying later.
With Earnest, you could lock in a lower rate today plus have up to 9 months after your grad school graduation before a payment is due. Lower rate, same breathing room.
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How to qualify
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Refinance with future income
Select future income when applying and upload your offer letter
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Sign your loan
Complete and sign your refinance loan agreement
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Lock in your grace period
Contact Customer Service for your extended grace period
Why Earnest refinancing beats other lenders
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Up to 9 months post-graduation grace period
- Up to 180 payment options
- No late fees
- Skip 1 payment per year
- Accepts future income up to 6 months
Key benefits
Zero fees: No origination fees, no prepayment penalties — ever
Grace period matched: Keep up to 9 months of no required payments after graduation
Refinance before you graduate: Lock in savings as soon as you have a signed offer, up to 6 months before your start date
Flexibility to refinance again: If rates drop, you can refinance again at no cost
Federal and private loans accepted: Refinance one or both — your call
Choose your own payment amount: Pick a payment that fits your budget
Skip a payment, once a year: Life happens. Take a break when you need it, no penalty fees
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Frequently asked questions
Do I need to have graduated to refinance?
Should I refinance my student loans?
When should I refinance my student 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 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?
$26 billion
Total Student Loans Refinanced
460,000+
Happy Clients Earned
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