If you're approved for an Earnest Student Loan Refinance, you'll typically be approved for the total eligible student loan amount listed on your credit report. This amount may differ from the amount you initially requested on your application. However, you're not required to refinance your entire student loan debt with Earnest. You can choose to refinance less than the requested amount (as long as it’s above $5,000*) or up to 105% of your approved amount.
As you complete the finalization steps online, you’ll be able to select the specific loan or loans you would like to refinance with Earnest. We’ll only send payment for the loans you select, and any loans you exclude will remain with your current lender.
You will have the opportunity to review the loans you’ve selected, your final loan amount, and the corresponding loan terms before signing your loan agreement.
If you need an even higher loan amount, please contact the Client Happiness team by clicking the "Get In Touch" button at the bottom of this article.
*Due to state limitations, residents of California must request a student loan refinance of at least $10,000, and residents of New Mexico must request a student loan refinance of at least $10,001.