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Is my school and/or program eligible?

We can refinance student loans used to pay for any college or university degree that is accredited with the U.S. Department of Education under Title IV. Please note, we can only refinance loans for completed degrees, not certificates or other credentials. If you are unsure whether your school is accredited, you can consult this list.

However, please note that in November 2017 Earnest was acquired by Navient as an independent subsidiary. Navient has an agreement with Sallie Mae Bank that prohibits the refinancing of Sallie Mae loans until 12/31/18.  

If you have loans at both Sallie Mae and another lender, the non-Sallie Mae loans may still be eligible for refinancing. If you apply and are approved, your loan offer would apply only to your non-Sallie Mae loans.

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