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.