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Low Rates
See if you save on interest rates
Don’t settle for a high rate when you could be paying much less. Check your rate with no credit impact.
Fixed
4.35%APR
Variable
5.88%APR
These are our lowest starting rates and contain our 0.25%
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?
Exclusive benefits. Unmatched service.
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Ultimate flexibility
Get your ideal monthly payment and loan term. See payoff scenarios before you sign.
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People-first service
Speak to a knowledgeable and compassionate rep. Get personalized care and attention.
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Low interest rates
Access some of the lowest starting rates in the industry, thanks to our individualized approach.
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Here’s why our clients love us
How it works
Fast. Simple. Effective.
Check your rate in 2 minutes
Get a quick rate estimate with no impact to your credit score.
Submit an application
Fill out your application online or over the phone to secure a low rate.
Customize your new loan
Choose your rate, term, and payment amount that works for your budget.
Frequently Asked Questions
Get the FAQs on student loan refinancing
Have more questions? Visit the Help Center.