Set your student loan payment. Adjust it as you go. This changes everything.

Rates start at {{landing.minVariableRate | estPercentage:'%':2}} variable / {{landing.minFixedRate | estPercentage:'%':2}} fixed apr with autopay

On average, clients save $12,588 when refinancing with Earnest. Get your estimated rate and savings in 2 minutes without affecting your credit score.

Radical Repayment Flexibility

With our dashboard you’re in constant control of your loan

  • Set your exact monthly payment
  • Change payment amount anytime
  • Save on interest with optional bi-weekly payments
  • Switch between fixed & variable rates at no charge
  • Make extra or early payments without fees
  • Skip a payment and make it up later

Save Even More With Precision Pricing™

Personalize your interest rate to your exact term, which can save you over $1,000 in interest

Pick the monthly payment that's right for your budget. Precision Pricing™ means our rates are just as low at 5-, 10-, 15-, and 20-year terms – and lower for everything in between.

Only Earnest Will Never Pass You Off to a Third-Party Servicer

Service for the life of your loan

While other lenders pass you off to outsourced customer service, we will personally handle any service questions or issues for the life of your loan.

Contact Us

Application → Approval → Signing → Payoff → Life of loan

Our in-house Client Happiness team will personally handle any service questions or issues for the life of your loan.

Application → Approval → Signing

Other lenders’ support lasts about 30 days. After that, you’re passed off to third-party servicers like TruStudent, Mohela, or Navient.

Refinancing the new-fashioned way

Better rates through better data analysis

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.

How it works

An Experience Built To Save You Time And Money

Quick & Simple To Apply

2 Mins To Get Your Estimated Rate

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.

Loan Application

We look at data other lenders don’t, like savings, education, and future earnings. This helps us build a better picture of your full financial profile so that we can offer our clients the lowest possible rates.

Loan Decision

If you’re approved, you can set your exact monthly payment and choose between a variable and fixed rate. How do we decide? Read our eligibility guide.

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

Chris Satti, Harvard MBA – $85,409 Refinanced, $11,778 saved

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

Laura Merritt, Harvard MBA / MPP – $47,580 Refinanced, $7,438 saved

“These are people who actually care about my needs as a person. I’m not a statistic to them; I’m a relationship.”

Sara Hathaway, UBC MA – $30,821 Refinanced, $2,798 saved