Lowering your student debt isn’t rocket science. It’s computer science.

  • Clients save on average $12,588
  • Lower rates through better data analysis
  • Customize your payments online and hassle free
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Takes just 2 minutes and it will not affect your credit score

3.50% fixed apr   1.92% variable apr

Rates with autopay starting at:

Refinancing the new-fashioned way

Your Loan, Your Terms

Smart technology gives you radical flexibility and total control over how you choose to repay your loan.

  • Set your exact monthly payment amount and total number of months to pay off
  • Skip one payment a year, then make it up over time
  • Switch between fixed and variable rates at no charge
  • Pay bi-weekly to pay down your principal faster and save on interest
  • Combine your federal and private loans into one loan, with one payment
  • Rest easy knowing we offer unemployment protection if you lose your job

Great Rates, You Earned It!

Our data-driven evaluation of your full financial profile gives us the ability to offer qualified borrowers lower, more personalized rates than traditional lenders can.

No Hidden Fees, No Surprises

No origination or prepayment fees. Our business is built solely on revenue from interest, not hidden fees.

At Your Service

While other lenders hand you off to a third party, we are your client service team for the life of your loan. And we are never more than a call or click away.

Digital Loan HQ

Your online dashboard is your control center. Easily set up and adjust payment amounts, change your loan term, and even switch between fixed and variable rates.

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Interested in a personal loan?

We reward financially responsible people with low rates, starting at 4.25% APR.

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An experience built to save you time and money

How do we provide a simple, yet powerful experience? By asking the right questions and utilizing the highest level of technology each step of the way, ensuring you the lowest rates possible.

Check Your Rate

Application

Decision

Payoff

Service

Step Estimate

2 Minutes

By analyzing information beyond your credit score, we can quickly provide you a rate estimate. You will receive your final rate with your approval notice.

Step Estimate

15 Minutes

We look at data other lenders do not, like savings, education, and future earnings. This helps us build a better picture of your full financial profile so that we can make a more informed decision about your loan application. And that is what allows us to offer our clients the lowest possible rates.

LinkedIn

Education

Employment

Financial

Personal

LinkedIn

Connecting with LinkedIn saves time and reduces fraud, ultimately saving you money through lower rates.

Education

We give you credit for your academic achievements. An education is an investment in yourself. You have worked hard, and we want to know about it – that way we can give you credit for it. We give you the opportunity to share this important part of yourself with us.

Employment

We want to know about your trajectory, not just a snapshot. We know your career has value beyond basic income. Understanding who you work for, how long you have been there, and your role and salary can give us insight into your career path. Have you been promoted recently? Or moving for a new job? We take your history and your trajectory into account to give you the credit you deserve for all your hard work.

Financial

Connecting accounts puts creditworthiness in your hands. We love giving you credit for living responsibly within your means. By linking your financial accounts, we can verify your income, savings, and investment planning – allowing us to make smarter lending decisions. The power to prove your own creditworthiness is simple and secure, and helps you get what you deserve.

Personal

Tell us what is important to you. We believe that the best banks truly know their clients. In the old days, banks treated you not just as valued clients but as friends. We want to get to know you in order to understand and serve you better. Creating a full profile allows us to see you as a person, not a number.

Step Estimate

48 Hours

You will receive a prompt response – usually within 48 hours. If we are able to offer you a set of rate options, you can then set your exact monthly payment and choose between a variable or fixed rate.

How do we decide? Our clients typically...

Have a bachelor's or higher degree

Show a solid employment history or have a job offer

Have savings for their future

Carry positive bank account balances

Carry minimal credit card debt

Make payments on time to avoid late fees

Once you have customized and accepted your refinancing terms, we pay off the loan from your previous lender.

With your account dashboard, you are in control of your loan. Manage payments and amounts, swich between fixed and variable rates, and more. And if you ever need help, we’re always just an email or call away.

Meet a few of our Student Loan Refi clients

Laura Merritt

MBA/MPP - Harvard

$47,580 Refinanced

$7,438 Saved

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“It made me feel like I would get a fair rate based on my risk, not the average twenty-something's risk.”

“It made me feel like I would get a fair rate based on my risk, not the average twenty-something's risk.”

Sara Hathaway

MA - UBC

$30,821 Refinanced

$2,798 Saved

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“These are real people who actually care about my needs as a person; I'm not just another statistic to them, I'm a relationship. ”

“These are real people who actually care about my needs as a person; I'm not just another statistic to them, I'm a relationship. ”

Chris Satti

MBA - Harvard

$85,409 Refinanced

$11,778 Saved

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“I think Earnest's flexibility really sets it apart. I'm a meticulous planner, and I was able to mix and match my loan term, type, and monthly payments to meet my exact objectives.”

“I think Earnest's flexibility really sets it apart. I'm a meticulous planner, and I was able to mix and match my loan term, type, and monthly payments to meet my exact objectives.!”

Real loans we’ve made with some real savings!

Have questions? Our team has answers.

We think lending should be as clear and transparent as possible, but just in case you need us we are always a call, chat, or email away. No third-party call centers, no long wait times, just client support the way it should be: quick and easy!

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Get your rate in 2 minutes

No commitment required and it won’t affect your credit score.