Partnering with Sparrow | Earnest | Earnest

Student Loan Refinancing

Sparrow members changed their payment with Earnest

Make it easier to pay off your student loans with refinancing. Check your rate and see why Sparrow members refinance with Earnest.

Check My Rate

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Lower Your Interest Rate

Ready to Refinance?

Sparrow believes that everyone should have power over their money. That’s why they partnered with Earnest to help you refinance your student loans.

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Refinancing Benefits

Get rewarded for paying your loans

You work hard to pay for your student loans. By refinancing, you get to reap the benefits of responsible financial choices.

Learn More

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Find a low interest rate

The lower your interest rate, the more money you can put towards the loan balance.

Check My Rate

Variable Rates
Starting at

5.58%APR

(including a 0.25% Auto Pay discount)

Fixed Rates
Starting at

3.94%APR

(Including a 0.25% Auto Pay discount)

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.

Why Earnest

Here's why our clients love us

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

-Courtney

The approval process was much better than other companies and truly focused on helping people reduce their interest rates.” — Edited for brevity

-Lauren

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

-Ryan

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

-Sabrina

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

-Stephanie