eligibility help blog resources student loan calculator student loan consolidation calculator consolidate vs. refinance student loans fixed vs. variable rate 10 day payoff precision pricing how to pay for graduate education college student loan resources get started sign in sign in refinance student loans parent loan refinancing personal loan eligibility help blog resources about us values how it works for employers careers press iphone app privacy & security terms of service welcome to a better way to borrow . we re using unrivaled service & technology to bring low interest loans to high potential people . like you . student loan refinancing clients who consolidate & refi save 21 810 on average . variable rates start at 2.23 % apr with autopay . 2 min get your rate learn more parent plus refinancing personalized payment plans for extra savings . variable rates start at 2.23 % apr with autopay . 2 min get your rate learn more personal loans low cost loans for qualified borrowers up to 50 000 . fixed rates from 5.25 % apr with autopay . get your loan learn more building a brighter financial future lower rates through better data we use data other lenders don t like your savings patterns investments and career trajectory to give you the rate you deserve . customization to your budget & timeline precision pricing saves money for student loan clients by using your budget to determine a unique rate and term down to the month . seamless from start to finish apply online then manage your account payment preferences with our intuitive dashboard and mobile app . expert in house service only earnest will never pass you off to an outside servicer . our in house team is available via call chat text or email . personal finance that fits you we believe financially responsible people deserve better financial options . that s why we re blending insightful data science elegant design and personalized service to build lifelong relationships with our clients . read more product refinance student loans parent plus refinancing personal loans iphone app for employers questions eligibility help resources how it works contact us company blog about us values careers press legal privacy & security terms of service referral terms lending licenses disclaimers download the new guide how to pay for your graduate education the earnest team twitter facebook linkedin twitter facebook linkedin earnest operations llc 1455 market st. 18th floor san francisco ca 94103 nmls 1204917 nmlsconsumeraccess.org disclaimers explanation of 21 810 average client savings average savings calculation is based on all earnest clients who refinanced their student loans between 1 1 15 and 6 10 16 . the savings of a particular client is calculated by subtracting the projected lifetime cost of their earnest refinancing from the projected total cost of their original student loan which is calculated using the original loan s apr and monthly payment based on the same principal balance as their requested earnest loan . simply put projected lifetime cost of original student loan projected lifetime cost of earnest refinancing projected savings the average savings calculation is the sum of all projected savings divided by the number of clients included in the projected savings calculation . these calculations assume that clients interest rates will not change over time that clients make all payments on time and that no loans will be prepaid . here s what our math includes projected savings for clients who provided outstanding balance apr and current monthly payment amount for their existing student loan s both fixed and variable rate loans and here s what our math excludes and why savings from any client who stated that the current interest rate on their loan was greater than 12 % . why this is intended to filter out any cases where client error may skew the savings calculation higher . for any client who stated that the projected term of their loan was greater than 25 years we do not include in our calculation any additional savings that might be realized if their existing loan were to take longer than 25 years to pay off in full . why 25 years is the maximum term allowed for a federal student loan or the cap on any federal student loan under income based repayment . savings from any client whose indicated monthly payment was not sufficient to pay down the loan balance over time . why this is intended to filter out any cases where the client misstated either their monthly payment amount interest rate or both . all refinancings by clients who chose a longer term than their existing student loan . why some clients choose longer loan terms to match their monthly loan obligations to their unique life circumstances ; while we encourage clients to take advantage of earnest s flexible term and monthly payment features these cases are not indicative of the savings that result from lower rates through better data . explanation of rates with autopay rates shown include 0.25 % apr reduction where client agrees to make monthly principal and interest payments by automatic electronic payment . use of autopay is not required to receive an earnest loan . explanation of precision pricing savings savings calculations are based on refinancing 121 825 in student loans at an existing loan servicer s interest rate of 7.5 % fixed apr with 10 years 6 months remaining on the loan term . the other lender s savings and apr light green line represent what would happen if those loans were refinanced at the other lender s best fixed aprs . the earnest savings and apr white line represent refinancing those loans at earnest s best fixed aprs . savings is computed as the difference between the future scheduled payments on the existing loans and payments on new earnest and other lender loans . the calculation assumes on time loan payments no change in interest rates and no prepayment of loans . client testimonials individuals portrayed as earnest clients on this site are actual clients and were compensated for their time to participate . done questions we re here to help . chat with us chat hours are monday friday 8am 5pm pacific time . start a chat email us we typically respond to emails within one day . send us a message send us a message call us phone hours are monday friday 8am 5pm pacific time . 888 601 2801 chat and phone hours are monday friday 8am 5pm pacific time . we typically respond to emails within 8 hours . an earnest client has invited you to refinance your student loan with earnest refinance your student loan with earnest and earn a 200 bonus when you sign your loan get your rate referral terms & conditions which product are you interested in student loan refinance refinance and consolidate student loans . get an estimated rate in just 2 minutes . get your rate learn more personal loan low interest personal loans for everything from your wedding to home improvements . get your loan learn more download your free earnest guide full name email send me the download link