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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.

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 your loan is currently either owned or serviced by Sallie Mae, we're currently unable to refinance it.

Please note that some loans are owned by Sallie Mae but serviced by another company, such as Navient. To confirm whether or not your loans are currently owned by Sallie Mae, we recommend contacting your current servicer.

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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