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The Fed isn’t the only one dropping rates. Learn more about our refinancing rate drop.
The Fed dropped rates–we’re sharing the relief
Enjoy a better rate on us. Seize the moment and save on your student loans while these rates last.
$18.7 billion
Total Student
Loans Refinanced
281,000+
Happy Clients
Earned
Overall Rating
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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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Refinance and feel the relief
You may want to hold on refinancing if you’re eligible for
, but if your loans don’t qualify, refinancing could help you save.
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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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.
Fixed Interest Rates
Cosigned vs. individual rates
A low rate could help you save on student loan payments. Having a cosigner increases the chances of getting a low rate because cosigners tend to have a longer credit history.
For student loan refinancing, you can check your rate here.
Cosigner
3.69%APR
( including 0.25%
discount )
Independent
5.39%APR
( including 0.25%
discount )
These are our lowest fixed interest 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.
Why Earnest?
A new kind of student loan
We’ll help pay for college when federal aid is not enough, whether you’re a cosigner or student.
Check your eligibility in 2 minutes with no credit impact.
Apply securely on your phone, laptop, or tablet. Your data stays safe with end-to-end encryption.
Pick your payment and loan term to get your ideal payment and schedule.
Check how your loan selections impact the total loan before you sign.
Skip a payment once per year without any penalties.
Enjoy a
vs. the standard 6-month grace period.
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Cosigner-friendly application
Over 90 percent of students have a cosigner on their loans because their chances of approval are 5X higher with a cosigner.
We support cosigners with:
A mobile, sharable application to save you and your student time.
Help filling out the application over the phone with our Client Happiness team.
A pre-application guide to make applying less stressful for you and your student.
