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Is it possible to refinance both federal and private student loans?

Absolutely. When considering refinancing your federal student loans, it is important to review the current protections and benefits you are granted with those loans and understand which of those you may be giving up when refinancing with a private lender like Earnest.

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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