Earnest
FeaturedPaidStudent loan refinancing with precision pricing and flexible payments
🔄Student Loan RefinancingAbout Earnest
Earnest offers student loan refinancing with a unique precision pricing model that considers your full financial profile — not just your credit score — to determine your exact rate. Borrowers can choose their exact monthly payment and loan term, skip one payment per year, and switch between fixed and variable rates. Earnest is owned by Navient and has refinanced billions in student loans. The platform is especially popular among high-earning professionals looking to reduce their interest costs on existing student debt.
What's Great
- ✓Precision pricing looks beyond credit score for personalized rates
- ✓Choose your exact monthly payment amount and loan term
- ✓Skip one payment per year without penalty
- ✓Ability to switch between fixed and variable rates
- ✓No origination fees or prepayment penalties
Watch Out For
- !Requires strong credit and income for the best rates
- !No co-signer option available on refinancing loans
- !Refinancing federal loans means losing income-driven repayment and forgiveness
- !Not available in all states
Common Use Cases
High-earning professional wanting to aggressively pay down student debt
Borrower wanting the flexibility to customize their exact monthly payment
Recent graduate with strong income seeking the lowest refinancing rate
Pricing Model
Paid
Paid subscription required. Check the website for current pricing and free trials.
Category
Student Loan Refinancing
Replace existing loans with a new private loan at a potentially lower rate.
Tags
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