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4.6/5 Trustpilot Rating
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7,961+ reviews | Excellent
420,000+
Happy clients earned
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Best Student Loan Refinancing 2026
©2017-2026 and TM, NerdWallet, Inc. All Rights Reserved.
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Why Earnest?
Here’s why our clients love us
Get 1:1 support
Real help from real people
Personal finances can be complicated. With our award-winning Client Happiness team, you’ll get personalized support before you even submit your application—zero obligation. If you decide to move forward with us, your associate will stay on the line to help you complete the process end-to-end, making sure you don’t hit any roadblocks and are setting yourself up for success.
Reach out via email and/or web chat, or call between 6:00 am - 5:00 pm PT, Monday - Friday, at (888) 601-2801—our team typically answers calls in 2 minutes or less^.
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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 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 fits your budget.
Never pay any fees, not even late payment fees.
Consolidate federal and private student loans into one easy payment.
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Awards
Earnest is an award-winning fintech company
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Disclosures
1 Please note that you will lose benefits associated with your underlying federal loans, such as federal Income-driven Repayment Plans, Economic Hardship Deferment, Public Service Loan Forgiveness, or other deferment and forbearance options, if you refinance into a private loan. If you file for bankruptcy, you may still be required to pay back this loan.
2 Before applying for private student loans, it’s best to maximize your other sources of financial aid first. It’s recommended to use a 3-step approach to assembling the funds you need: 1) Look for funds you don’t have to pay back, like scholarships, grants, and work-study opportunities. 2) Next, fill out a FAFSA(R) form to apply for federal student loans. Federal Direct subsidized and unsubsidized loans, excluding PLUS Loan for Parents and PLUS Loan for Graduate and Professional Students which require a credit check and a credit worthy endorser if the parent or graduate or professional student has adverse credit, do not require a credit check or cosigner, and offer various protections if you're struggling with your payments. 3) Finally, consider a private student loan to cover any difference between your total cost of attendance and the amount not covered in steps 1 and 2. For more information, visit the Department of Education website at https://studentaid.gov/.
*Our lowest rates are only available for our most credit qualified borrowers and contain our .25% auto pay discount from a checking or savings account.
^Based on average call times from August 2024 to present. Subject to change.