Earnest
Student Loan Refinancing
Refinance Student Loans
Compare Promotions
Earnest Student Loans | |
|---|---|
| Variable APR | 5.88% - 9.99% (includes 0.25% autopay discount) |
| Fixed APR | 4.29% - 9.89% (includes 0.25% autopay discount) |
| Maximum Amount | |
| Minimum Amount | |
| Loan Term | Custom term from 5 to 20 years (180 term options) |
| State Residency | Most states with the exception of: DE, KY, and NV and no variable rate loans to residents of: AK, IL, MN, NH, OH, TN and TX |
| Degree Requirements | |
| Income Requirements | |
| Employment Requirements | Must be employed or have an offer for a position to start within 6 months |
| Interest Only Payments | |
| Origination Fees | |
| Prepayment Penalty | |
| Can Use a Cosigner | |
| Can Release a Cosigner | |
| Auto-Pay Interest Rate Reduction | |
| Soft Credit Check | |
| Unemployment Protection | |
Earnest: Pricing information from published website as of 2/21/2025 | |
