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Are Parent Plus loans eligible for refinancing?

Yes, we are able to refinance Parent Plus loans for the primary borrower (in this instance, the parent) once the child has received their degree. Please note, because the rate options we offer will be based on your personal educational, employment, and financial history, it is important to enter your own information in the application. You can review our student loan refinance requirements and general eligibility guidelines here.

However, please note that in November 2017 Earnest was acquired by Navient as an independent subsidiary. Navient has an agreement with Sallie Mae Bank that prohibits the refinancing of Sallie Mae loans until 12/31/18.  

If you have loans at both Sallie Mae and another lender, the non-Sallie Mae loans may still be eligible for refinancing. If you apply and are approved, your loan offer would apply only to your non-Sallie Mae loans.

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