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Your loan, your terms, your way – with zero fees to hold you back

Get help paying for college, cosigning, or refinancing your student loans with competitive rates, flexible payments, and no fees.

Refinance Student Loans

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Student Loans

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$23.5 billion

Total Student

Loans Refinanced

290,000+

Happy Clients

Earned

Overall Rating

Why Earnest?

Here’s why our clients love us

“Exceptionally easy and fast process
Earnest does a great job of keeping you informed throughout the whole process through easy email updates.”
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John L.
“I’m so glad I chose Earnest
I’m so glad I chose Earnest for my son’s college!! I’m beyond excited and grateful for all the support and encouragement you’re providing hopes and dreams!!”
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Aileen C.
“Earnest is the BEST
They worked with me from start to finish with getting my application together and sending it off. The team is very friendly, knowledgeable, and genuinely kind people.”
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Amy
“Customer service was incredible
Easy to speak with a live person, friendly, and super patient with all my questions. Easy process!”
Christine E.
“Earnest rocks!
So easy, so transparent, and so kind! I love all the information they give within it that makes me feel informed and on top of my loan payments.”
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Brianna
“Thank you, Earnest!
This is the first company I have found that actually helps borrowers! I highly recommend it to anyone trying to lower their monthly payments and get out of debt once and for all!”
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Daniel B.
“Definitely recommend
It was very easy to go through the whole process. I really could not believe how easy it was to use and get everything set up.”
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Heather
“Refinanced in less than 5 mins
No hidden fees, a simplified loan agreement that’s easy to understand, and very fair fixed rates. I didn’t even think twice to finalize it.”
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K.D.
“Great company
Easy and quick process. They explained everything and answered questions I had throughout the whole process.”
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Misty W..
“Painless transition
Painless transition of refinancing my student loans!! Excellent customer service!! I am so pleased I chose Earnest!!”
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Nicholas M.
“Great service!
I was able to speak with someone within 1 minute of my call. They were polite and answered every question I had. One of the best customer services!”
Nicole K.
“Great experience
The process was very simple and quick. Everything was explained very clearly, so I knew what I was doing throughout the whole process.”
Russel C.
“The simplest process
There was no pressure and they addressed each of my questions and concerns before I signed anything. Easily the simplest process I've ever had regarding a loan.”
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Bobby S.
“Excellent customer service
The college loan process can be very intimidating. The representatives are always willing to answer any questions and have provided email updates along the way.”
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L.M.
“Glad I found these guys
They had the lowest interest rate among many other top name lenders. Everything was done online, communication was prompt, and it was very quick overall.”
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Kyung L.
“So easy and smooth
The process was so easy and smooth, with no surprises and no clunky interfaces. Why can't all student loan companies run like this?”
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Katie
“Super quick and hassle-free
They took care of everything fast and I didn’t have to lift a finger with the school. Thank you for taking the stress out of college funding!!”
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Julianna
“As easy as it can be
I've never been to a loan company that really took matters into their own hands and made it feel like they truly wanted to help their students.”
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Ellie K.
“Awesome experience
My experience with Earnest was awesome! Filling out the online application was easy, and the college got the loan in a few days.”
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Deneika N.
“Very fast and efficient
I needed aid quickly to cover what FAFSA didn’t, and they made my experience smooth and stress-free!”
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Deja P.

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.

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.

World’s Top Fintech Companies 2024

CNBC recognized our commitment to supporting students and families on their journey to college and beyond.