Student Loan Refinance Calculator
Is refinancing right for you?
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Get a personalized rate in just 3 steps
No fees of any kind
Check your rate with no commitment or credit impact
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No Fees. No Credit Impact
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This calculator is a tool to help you visualize repayment options for student loans based on various scenarios provided by you. The information on this page is presented for general personal finance education and it is not intended to provide legal, financial, or tax advice. The accuracy of the calculated results is not guaranteed, and the results are intended for illustrative purposes only. This calculator does not indicate whether you would qualify for an Earnest loan, and the interest rate we approve for you may be higher than the options shown in this calculator if you do qualify. Note that even if you refinance your student loans with Earnest, the outputs of the calculator may not align with loan agreement terms due to several factors, such as your repayment schedule, the interest rate we approve for you, whether you end up choosing a fixed or variable interest rate upon approval, or the timing for sending a payoff to former servicers.
*When refinancing into a longer term and benefiting from lower monthly payments, borrowers will typically pay more total interest over the duration of the loan.
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Refinancing with serious benefits
Radical Flexibility
Pick your payment and loan term, remove a cosigner, and consolidate multiple loans.
People-first service
No robocalls. Just helpful and compassionate customer service.
Low interest rates
Lower rates could mean big savings and much faster loan payoff on student loans.