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You're eligible to apply to refinance your student loans!

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Fixed APR 4.20% - 9.99%*

Variable APR 5.88% - 9.99%*

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Earnest Student Loan Refinancing

New-fashioned loans for the next generation.

Earnest is a technology company using cutting-edge data science, smarter design, and software automation to rebuild financial services.

With a mission to empower people with the financial capital they need to live better lives, Earnest's lending products are built for a new generation seeking to reach life's milestones. The company uses data and technology to understand every applicant's unique financial story and offer the lowest possible rates.

To qualify, you must be a U.S. Citizen, possess a Permanent Resident Card (10-year non-conditional or 2-year conditional), be a Deferred Action for Childhood Arrivals (DACA) Recipient, be an Asylee, or hold an H-1B visa with a U.S. Citizen cosigner, reside in a state Earnest lends in, and satisfy our minimum eligibility criteria. You may find more information on loan eligibility here: https://www.earnest.com/eligibility. Not all applicants will be approved for a loan, and not all applicants qualify for the lowest rate. Approval and interest rate depend on the review of a complete application.

Actual rate will vary based on your financial profile. Fixed annual percentage rates (APR) range from 4.45% APR to 10.24% APR (4.20% – 9.99% with .25% auto pay discount). Variable annual percentage rates (APR) range from 6.13% APR to 10.24% APR (5.88% – 9.99% with .25% auto pay discount). Earnest variable interest rate student loan refinance loans are based on a publicly available index, the 30-day Average Secured Overnight Financing Rate (SOFR) published by the Federal Reserve Bank of New York. The variable rate is based on the rate published on the 25th day, or the next business day, of the preceding calendar month, rounded to the nearest hundredth of a percent. The rate will not increase more than once a month, but there is no limit on the amount that the rate could increase at one time. Please note, we are not able to offer variable rate loans in AK, IL, MN, MS, NH, OH, TN, and TX. Our lowest rates are only available for our most credit qualified borrowers and require selection of our shortest term offered and enrollment in our .25% auto pay discount from a checking or savings account. Enrolling in autopay is not required as a condition for approval.

^*Auto Pay Discount: If you make monthly principal and interest payments by an automatic, monthly deduction from a savings or checking account, your rate will be reduced by one quarter of one percent (0.25%) for so long as you continue to make automatic, electronic monthly payments. This benefit is suspended during periods of deferment and forbearance. Not all borrowers will qualify for our lowest rates, and your rate will be based on creditworthiness at time of application.

Earnest Loan Cost Example: These examples provide estimates based on payments beginning immediately upon loan disbursement. Variable annual percentage rate ("APR"): A $10,000 loan with a 20-year term (240 monthly payments of $101.46) and a 10.74% APR would result in a total estimated payment amount of $24,350.40. For a variable loan, after your starting rate is set, your rate will then vary with the market. Fixed APR: A $10,000 loan with a 20-year term (240 monthly payments of $101.46) and a 10.74% APR would result in a total estimated payment amount of $24,350.40. Your actual repayment terms may vary.

The information provided on this page is updated as of 02/02/2026. Earnest reserves the right to change, pause, or terminate product offerings at any time without notice.

Earnest Loans are made by Earnest Operations LLC. Earnest Operations LLC, NMLS #1204917. 300 Frank H. Ogawa Plaza, Suite 340, Oakland 94612. California Financing Law License 6054788. Visit www.earnest.com/licenses for a full list of licensed states. For California residents: Loans will be arranged or made pursuant to a California Financing Law License.

Earnest loans are serviced by Earnest Operations LLC with support from Higher Education Loan Authority of the State of Missouri (MOHELA) (NMLS# 1442770). Earnest LLC and its subsidiaries, including Earnest Operations LLC, are not sponsored by agencies of the United States of America.

THIS IS AN ADVERTISEMENT. YOU ARE NOT REQUIRED TO MAKE ANY PAYMENT OR TAKE ANY OTHER ACTION IN RESPONSE TO THIS OFFER.

Fixed APR 3.99% - 10.15%^*

Variable APR 3.69% - 11.11%^*

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Compare student loan refinancing rates from top lenders via Credible.

Student Benefits

Actual prequalified rates from multiple lenders in 3 minutes.
Checking rates on Credible is free and will not impact your credit score.
Refinance federal, private and ParentPLUS loans.
You could lower your interest rate or reduce your monthly payment.

Eligibility

Refinance $5,000 up to the full balance

Student Loan Refinancing Rate and Terms Disclosure:

The lenders on the Credible.com platform offer fixed rates ranging from 3.99% - 10.15% (3.99% - 10.15% APR). Variable interest rates offered by the lenders on Credible.com range from 3.69% - 11.11% (3.69% - 11.11% APR). Variable rates will fluctuate over the term of the borrower's loan with changes in the Index rate. The Index will be either LIBOR, SOFR, or the Prime Rate of interest as published in the Wall Street Journal (WSJ). The maximum variable rate on the Education Refinance Loan is the greater of 21.00% or Prime Rate plus 9.00%. Rates are subject to change at any time without notice. Your actual rate may be different from the rates advertised and/or shown above and will be based on factors such as the term of your loan, your financial history (including your cosigner’s (if any) financial history) and the degree you are in the process of achieving or have achieved. While not always the case, lower rates typically require creditworthy applicants with creditworthy cosigners, graduate degrees, and shorter repayment terms (terms vary by lender and can range from 5-20 years) and include loyalty and Automatic Payment discounts, where applicable. Loyalty and Automatic Payment discount requirements as well as Lender terms and conditions will vary by lender and therefore, reading each lender’s disclosures is important. Additionally, lenders may have loan minimum and maximum requirements, degree requirements, educational institution requirements, citizenship and residency requirements as well as other lender-specific requirements.

The information provided on this page is updated as of 02/02/2026.

Fixed APR 4.88% - 13.97%²

Variable APR 4.74% - 8.24%²

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ELFI Student Loan Refinance

ELFI is a nationwide student loan debt consolidation and refinancing program offered by Tennessee based SouthEast Bank. Offering among the lowest rates in the industry coupled with award winning customer service, it is designed to assist borrowers through consolidating and refinancing education loans to lower your cost of education and/or makes repayment very simple.

ELFI – backed by the strength of SouthEast Bank – combines the benefits of traditional education loan financing with the superior products, service, and support found in the private market.

¹Average savings calculations are based on information provided by SouthEast Bank/ ELFI customers who refinanced their student loans between 01/03/23 and 03/01/23. While these amounts represent reported average amounts saved, actual amounts saved will vary depending upon a number of factors.

²Rates accurate as of 10/01/25. The interest rate and monthly payment for variable rate loans may increase after closing. Your actual interest rate may be different from the rates shown above and will be based on the term of your loan, your financial history, and other factors, including your cosigner’s (if any) financial history. For example, a 10 year loan with a fixed rate of 6% would have 120 payments of $11.00 per $1,000 borrowed. To qualify for refinancing or student loan consolidation through ELFI, you must have at least $10,000 in qualified student loan debt and must have earned a bachelor’s degree or higher from an approved post-secondary ELFI institution. ELFI Parent Loans are limited to a maximum of the 10-year term.

Fixed APR As low as 4.96%¹

Variable APR As low as 4.74%¹

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Splash Financial Refinance Loan

Splash Financial negotiates with credit unions and banks to provide low refinancing rates to student loan borrowers.

Splash is a student loan refinance company that negotiates with credit unions and banks to provide market-leading rates. Our sole focus is helping graduates save money through student loan refinancing – it’s the only product we offer!

The Splash Financial Refinance Loan Offers the Following:

Rates as low as 4.74%¹ Variable APR and 4.96%¹ Fixed APR
See your rates in 3 minutes without affecting your credit score²
No pre-payment penalties, origination, or application fees
Minimum loan amounts starting at $5,000 and no loan maximums
Special terms for Medical and Dental Residents and Fellows

Minimum Eligibility Requirements

Graduates with an associate, bachelor’s or graduate degree
Parents who took out educational loans to finance their child’s education are also eligible if the child has graduated
Borrower must be a U.S. citizen or permanent resident
650+ FICO
<50% Monthly Debt-to-Income Ratio

Loan Limits

Minimum Loan Amount: $5,000

Annual loan maximum: No Maximum

¹The rates displayed may include a 0.25% autopay discount.

²To check the rates and terms you qualify for, Splash Financial conducts a soft credit pull that will not affect your credit score. However, if you choose a product and continue your application, the lender will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull and may affect your credit.

Fixed APR 6.99% - 13.99%¹

Variable APR 6.99% - 13.99%¹

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College Ave Student Loans Refi was created to help graduates refinance existing student loans so they can repay their loans easily while reducing the total cost and/or monthly payment.

No application or origination fees
Variable rate range: 6.99% – 13.99% APR¹
Fixed rate range: 6.99% – 13.99% APR¹
Choose how long you take to repay the loan

Eligibility

You (and your cosigner, if applicable) must be a U.S. Citizen or permanent resident.
Must have graduated from a public or private, not-for-profit, degree granting institution
Consolidate and refinance up to $300,000³
All loans are subject to individual approval and adherence to underwriting guidelines.

College Ave Student Loans products are made available through Firstrust Bank, member FDIC, First Citizens Community Bank, member FDIC, or M.Y. Safra Bank, FSB, member FDIC.. All loans are subject to individual approval and adherence to underwriting guidelines. Program restrictions, other terms, and conditions apply.

¹The 0.25% auto-pay interest rate reduction applies as long as the borrower or cosigner, if applicable, enrolls in auto-pay and authorizes our loan servicer to automatically deduct your monthly payments from a valid bank account via Automated Clearing House (“ACH”). The rate reduction applies for as long as the monthly payment amount is successfully deducted from the designated bank account and is suspended during periods of forbearance and certain deferments. Variable rates may increase after consummation.

²This informational repayment example uses typical loan terms for a refi borrower who selects the Full Principal & Interest Repayment Option with a 10-year repayment term, has a $40,000 loan and a 5.5% Annual Percentage Rate (“APR”): 120 monthly payments of $434.11 while in the repayment period, for a total amount of payments of $52,092.61. Loans will never have a full principal and interest monthly payment of less than $50. Your actual rates and repayment terms may vary.

³$5,000 is the minimum requirement to refinance. The maximum loan amount is $250,000 for those with medical, dental, pharmacy or veterinary doctorate degrees, and $150,000 for all other undergraduate or graduate degrees.

Information advertised valid as of 01/05/2026. Variable interest rates may increase after consummation. Approved interest rate will depend on the creditworthiness of the applicant(s), lowest advertised rates only available to the most creditworthy applicants and require selection of full principal and interest payments with the shortest available loan term.

The U.S. Department of Education handles all Federal Consolidation Loans. Apply online or contact the Loan Consolidation Information Call Center at 1-800-557-7392. Go to StudentLoans.gov