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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).

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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