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Can I refinance just my high interest loans?

Once you’re approved, you are automatically approved for the total eligible student loan amount listed on your credit report. When you’re ready to accept your loan, 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.

During the agreement process for your Earnest loan, you will list the exact loans you would like Earnest to pay off. You should only enter the account information and payoff details for loans you'd like paid off, and omit the loan payoff details for loans you'd like to keep with your existing servicer. Once you've done this, we will manage the payoff process with your loan servicer(s).

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 hello@earnest.com.

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