From student loan refinancing that could save you money to private student loans that can help fund your educational endeavors, our products are designed to help you reach your financial goals.
Student Loan Refinancing
Our student loan refinancing helps you pay down your federal and private student loans on your terms. We refinance your selected eligible student loans into a new private loan at a lower rate, with the option to choose a fixed or variable interest rate and a loan term of 5-20 years, based on your eligibility. We can refinance a minimum of $5,000* of eligible student loans, up to $500,000. Take a look at our Eligibility Guide & Requirements for more information. If you feel we are a good fit, you can start an application here.
*Due to state limitations, residents of California must request a student loan refinance of $10,000 or more, and residents of New Mexico must request a student loan refinance of $10,001.00 or more.
Private Student Loans
Our private student loans help college students pay for their expenses while attending school. We're able to offer loans up to the student's full cost of attendance each academic year. We strive to provide a range of options and benefits to help students have control of how and when they can pay their loan(s). Some of these options include the ability to choose your repayment term and up to 9 months of grace after the student graduates or drops to less than half-time status, or no longer meets enrollment requirements. Take a look at our Eligibility Guide & Requirements for more information. If you feel we are a good fit, you can start an application here.
*Due to state limitations, residents of Hawaii must request a private student loan of at least $1,501.
Personal Loans
Our personal loans are designed to help individuals cover a wide range of life expenses on their terms. Whether you are looking to consolidate debt, pay for a major purchase, or manage unexpected costs, Earnest Personal Loans offer predictable monthly payments with a fixed interest rate and up to a .75% interest rate reduction for meeting specific milestones in the repayment of your loan 1. You can choose a loan amount and repayment term that fits your financial goals, based on your eligibility. Take a look at our Eligibility Guide and Requirements for more information. If you feel we are a good fit, you can start an application here.
If you have any further questions, please feel free to contact our Client Happiness team by clicking on the “Get In Touch” button at the bottom of this page.
1 You may be eligible to receive a 0.25% interest rate reduction when you meet each of the following milestones:
- When you have repaid 25% of your original loan principal and made 12 consecutive on-time monthly principal and interest payments in full, as scheduled under your loan agreement.
- When you have repaid 50% of your original loan principal and maintained your on-time payment history.
- When you have repaid 75% of your original loan principal and maintained your on-time payment history.
If you qualify for and receive a Rate Reduction, only the Interest Rate will change, and you will continue to pay the required monthly payments as scheduled under your Loan Agreement.
Payments you make when enrolled in any financial hardship program or similar assistance we may offer (including, but not limited to, repayment programs and rate reduction programs) do not count towards Consecutive Payments
Discounts are applied automatically once the criteria is met.