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Student Loan Refinance

Enjoy low rates and flexible terms with Earnest, and get a $100.00 bonus for refinancing!

Student Loan Refinancing

Student loan refinancing can help individuals with existing federal or private loans consolidate under a single lender, lower their interest rate, change their original loan terms, and potentially save money.
Plus, use our link below to refinance your student loans with Earnest and get a $100.00 bonus after closing!
  • Lower rates based on your future potential and full financial profile, not just your FICO score.
  • Flexible terms that let you pick your exact monthly payment or switch between fixed and variable rates.
  • Lifetime service provided in-house. Unlike other lenders, we will never pass you off to third-party servicers.
  • No fees for origination, prepayment, or loan disbursement.
  • Two-minute rate check with no obligation or impact to your credit score at
Use the links on this page to apply and earn a $100.00 bonus for refinancing your student loans with Earnest!

Refinance Loan Eligibility criteria: Your debt is from paying for education at a Title IV accredited school. The debt is from your education or your child’s. The debt you’re refinancing is for a completed degree or one that will be completed at the end of this semester. You are currently the primary borrower on the student loans you would like to refinance, and you will remain the primary borrower after refinancing. You must reside in the District of Columbia or one of the 47 states Earnest Operations LLC is authorized to lend in (all but Delaware, Kentucky, and Nevada). This is strictly a student loan refinance product. There is no opportunity to borrow more than your outstanding qualifying student loan amount. You must be the age of majority in your state or older at the time you apply, as well as be a United States citizen or Permanent Resident Alien without conditions. Refinancing is subject to credit qualifications. Please note, we are not able to offer variable rate loans in AK, IL, MN, NH, OH, TN, and TX.

Earnest does not charge fees for origination, late payments, or prepayments. Florida Stamp Tax: For Florida residents, Florida documentary stamp tax is required by law, calculated as $0.35 for each $100 (or portion thereof) of the principal loan amount, the amount of which is provided in the Final Disclosure. Lender will add the stamp tax to the principal loan amount. The full amount will be paid directly to the Florida Department of Revenue. Certificate of Registration No. 78-8016373916-1. 

Choosing to refinance to a longer term may lower your monthly payment, but increase the amount of interest you may pay. Choosing to refinance to a shorter term may increase your monthly payment, but lower the amount of interest you may pay. Review your loan documentation for total cost of your refinanced loan.

You may lose benefits associated with your underlying federal and/or private loans if you refinance such as federal Income-driven Repayment Plans, Economic Hardship Deferment, Public Service Loan Forgiveness, or other deferment and forbearance options. If you file for bankruptcy, you may still be required to pay back this loan.

*To receive $100.00 bonus, you must refinance at least $10,000.00 in student loans with Earnest by utilizing the "Learn More and Apply' links on this page when you initially apply. Earnest will provide the bonus to you, subject to their terms, conditions, and restrictions.

Earnest Loans are made by Earnest Operations LLC or One American Bank, Member FDIC. Earnest Operations LLC, NMLS #1204917. 535 Mission St., Suite 1663, San Francisco, CA 94105. California Financing Law License  6054788.  Visit for a full list of licensed states. For California residents: Loans will be arranged or made pursuant to a California Financing Law License. One American Bank, 515 S. Minnesota Ave, Sioux Falls, SD 57104. Earnest loans are serviced by Earnest Operations LLC with support from Navient Solutions LLC (NMLS #212430). One American Bank and Earnest LLC and its subsidiaries, including Earnest Operations LLC, are not sponsored by agencies of the United States of America. © 2022 Earnest LLC. All rights reserved.