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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.

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

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