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What kind of loans does Earnest offer? | General Questions

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 as many of your existing student loans as you’d like into a new private loan at a lower rate, with the option to choose between a fixed or variable interest rate and with a loan term from 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.

 

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.

 

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