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What is the minimum student loan balance Earnest can refinance?

We’re happy to refinance student loan balances starting at $5,000. We can refinance up to $500,000 provided all of the loans are eligible for refinancing (having been used to pay for attendance at a Title IV accredited institution).

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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