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$19.6 billion
Total Student
Loans Refinanced
293,000+
Happy Clients
Earned
Overall Rating
As was announced by the U.S. Department of Education (ED), federal student loans have resumed accruing interest starting September 1, 2023, and federal student loan payments were reinstated starting in October. Please note that you may lose benefits associated with your underlying federal loans, such as federal Income-driven Repayment Plans (an example of which is the SAVE plan), 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. See https://studentaid.gov for more information.
Why Earnest?
Easy refinancing, clear progress
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.
Combine your private and federal loans
Save with
and never miss a payment
Choose a payment amount that fits your budget
Select biweekly or monthly payments
Increase payments to pay off your loan faster
Adjust your payment date
Make extra or early payments with no fees
Skip a payment without penalties
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?
Here’s why our clients love us
Learn More About Refinancing Student Loans
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Refinance Private vs Federal Student Loans
Refinancing federal student loans is not the same as refinancing private student loans.
)
Refinance vs. Consolidating
The difference between refinancing and consolidating student loans, which one is right for you?
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What is Student Loan Refinancing
Find out what student loan refinancing is, how it works, and how it could benefit you.
An easier way to pay off your student loans
Simplify your loans
You could: get a better rate, remove a cosigner, and combine all your loans into one easy payment.
Pay off debt faster
You could pay more each month with a lower interest rate for faster pay-off.
Focus on your goals
Or you could lower your payments to build up savings, buy a house, or contribute to your retirement.
Get the FAQs on student loan refinancing
Have more questions? Visit the Help Center.