Submit a request

What kind of loans does Earnest offer? | General Questions

From student loan refinancing that could save you thousands of dollars 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 consolidate as many of your existing student loans as you’d like at a lower rate, with the option to choose between a fixed or variable interest rate at a term that fits your exact needs. We can refinance a minimum of $5,000* of eligible student loans, up to $500,000. Please note you must have graduated and be employed or be within 6 months of graduating and possessing a job offer to submit an application. Take a look at our Eligibility Guidelines 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 at least $10,000.

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. Some of these options include the ability to choose your repayment term and up to 9 months of grace after the student graduates. Take a look at our Eligibility Guidelines for more information. If you feel we are a good fit, you can start an application here.

Loan Types We Do Not Offer

While Earnest may not offer personal loans, we have partnered with Fiona to help fund life’s biggest moments. For more information on Fiona, check out this page here. In addition, we currently do not offer loans for coding boot camps, or loans for any business-related expenses, such as covering personal expenses while you work to launch your business.

Have more questions? Submit a request