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Can I refinance loans that have been consolidated or refinanced previously?

Yes. Previous refinancing or consolidation does not affect the eligibility of your application. As long as the completed degree you have received was obtained at a school under the Title IV accredited list, we are able to refinance your existing loan.

Note: If you have a Sallie Mae loan, we may not be able to refinance it. Earnest was recently acquired by Navient as an independent subsidiary, and Sallie Mae has a non-compete agreement in place with Navient. For more information, please contact our Client Happiness team at

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