# 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

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

## 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.

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

)

## How to qualify

)

### Refinance with future income

Select future income when applying and upload your offer letter

)

### Sign your loan

Complete and sign your refinance loan agreement

)

### Lock in your grace period

Contact Customer Service for your extended grace period

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

## Why Earnest refinancing beats other lenders

)

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

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

)

#### 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

)

###### Excellent — 4.7 out of 5