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We’re offering our lowest average refi rates in 22 months. See how much you could save.
$18.9 billion
Total Student
Loans Refinanced
293,000+
Happy Clients
Earned
Overall Rating
)
Refinance and feel the relief
With Earnest, you get the options you need to refinance your student loans to fit your life. And the option to refinance later when life changes.
Check your rate in 2 minutes without any credit impact.
Apply securely with your phone, tablet, or computer.
Run payment scenarios and easily see how different rates, payments, and term choices impact your total loan.
Choose your ideal payment and term that first your budget.
Never pay any fees, not even late payment fees.
Consolidate federal and private student loans in one easy payment.
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Refinance Interest Rates
Find a low interest rate
We work hard to give you low rates to help you pay off your debt faster.
Fixed
3.95%APR
( including 0.25%
discount )
Variable
5.89%APR
( including 0.25%
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?
The flexibility you want. The security you need. The care you deserve.
Some of the lowest rates
We offer some of the lowest starting interest rates for private student loans and refinancing.
No credit impact
You can check your eligibility for a private student loan or check your refinancing rate in just 2 minutes with no impact to your credit score.
Ultimate flexibility
Pick your payment options and adjust your term down to the day, to get your ideal monthly payment.
To check our starting rates, please visit our private student loan page or refinancing page.
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Help Is Here
We’re one phone call away
Client Happiness is at the heart of Earnest. Our in-house team of experts can help you apply over the phone and answer any questions so that you can apply and move forward with your education.
Reach out via email and web chat; if you prefer to speak to a person, call between 5 am-5 pm PST, Monday-Friday, at (888) 601-2801.
