2021 NerdWallet Best-of Awards Winner for Best Student Loan Refinancing Overall
2021 NerdWallet Best-Of Awards Winner
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Outsmart Your Student Loans With Earnest

Earnest is a highly rated student loan refinance company with a top-notch reputation. See if they’re the right solution to save money on your college debt.

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Why Purefy Recommends Earnest Student Loan Refinancing

Super Low Rates

Save big on lifetime interest with historically low rates from 1.74% variable or 2.44% fixed.

Flexible Terms

Repay student debt on your schedule. Choose a term between 5 and 20 years.

Fast Application

See your lowest qualifying rate and apply for a loan with a smooth and speedy process.

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How Much Can You Save With Earnest?

Ready to drop your student loan interest rate?
Head to Earnest to check your rate and see your savings in minutes.

Purefy's Comparison of Earnest to Other Industry Leaders

Earnest is a smart choice for student loan refinancing – but they’re not the only option. See how they compare to other trusted lenders in the student loan market.

Fixed Rate

3.24% – 7.99% APR 2

Term

5 -20 years 2

Minimum Credit Score

650

Variable Rate

1.89% – 7.99% APR 2

Eligible Loans

Federal & Private

Purefy Rating

Fixed Rate

3.24% – 7.99% APR 2

Term (years)

5-20

Minimum Credit Score

650

Variable Rate

1.89% – 7.99% APR 2

Eligible Loans

Federal & Private

Purefy Rating

Lightning-fast loan processing
Up to 12 months financial hardship deferment
Doesn’t offer cosigned loans

Fixed Rate

3.49% – 7.99% APR 3

Term

5, 7, 10, 15, 20 years 3

Minimum Credit Score

650

Variable Rate

2.24% – 7.99% APR 3

Eligible Loans

Federal & Private

Purefy Rating

Fixed Rate

3.49% – 7.99% APR 3

Term (years)

5, 7, 10, 15, 20 years 3

Minimum Credit Score

650

Variable Rate

2.24% – 7.99% APR 3

Eligible Loans

Federal & Private

Purefy Rating

Free career planning, job search, and entrepreneurship support
Forbearance options for financial hardship, natural disasters, and military service
98% of surveyed customers would recommend SoFi to a friend

Fixed Rate

6.74% – 8.93% APR​

Term

5, 8, 12, or 15 years

Minimum Credit Score

670

Variable Rate

Not Offered

Eligible Loans

Federal & Private

Purefy Rating

Fixed Rate

6.74% – 8.93% APR​

Term (years)

5, 8, 12, or 15

Minimum Credit Score

670

Variable Rate

Not Offered

Eligible Loans

Federal & Private

Purefy Rating

Spouse couples can refinance together using combined income
Become a member of the credit union at no cost when you refinance
Temporary and permanent financial hardship assistance available

Fixed Rate

3.39% – 6.99% APR 4

Term

5, 7, 10, 15, or 20 years 4

Minimum Credit Score

680

Variable Rate

1.86% – 7.98% APR 4

Eligible Loans

Federal & Private

Purefy Rating

Fixed Rate

3.39% – 6.99% APR 4

Term (years)

5, 7, 10, 15, or 20

Minimum Credit Score

680

Variable Rate

1.86% – 7.98% APR 4

Eligible Loans

Federal & Private

Purefy Rating

No maximum loan amount

Up to 12 months of forbearance if you experience financial hardship

Borrowers can refinance Parent PLUS loans in their own name

Fixed Rate

3.94% – 8.48% APR 5

Term

5, 7, 10, 15, or 20 years 5

Minimum Credit Score

670

Variable Rate

Not Offered

Eligible Loans

Federal & Private

Purefy Rating

Fixed Rate

3.94% – 8.48% APR 5

Term (years)

5, 7, 10, 15, or 20

Minimum Credit Score

670

Variable Rate

Not Offered

Eligible Loans

Federal & Private

Purefy Rating

Loans available in all states except Maine and Oregon

Loan forgiveness if the borrower dies or becomes totally and permanently disabled
Options to postpone payments due to qualifying financial hardships

Explore Purefy’s Marketplace of Top-Rated Refinance Companies

We know your time is valuable.
Purefy speeds up the research process by bringing the best refinance lenders and rates together – all in one place – so you can review options, choose your new rate, and start saving quickly.

Real Rates

See pre-qualified rates from a range of vetted lenders – all at once with one easy-to-use tool.

Zero Fees

Compare your rates with no fees, hidden costs, or strings attached

No Impact to Credit

Checking rates has zero effect on your credit score and your information is 100% secure.

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It’s fast, simple, and transparent.

How Purefy Works: Our Rate Comparison Process

Join the 273,000 people and counting who have compared student loan refinance rates with Purefy.

01

Complete Form – 2 Minutes

Fill out basic details about your student loan situation.

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02

Compare Rates – 15 Seconds

See real, pre-qualified rates from a variety of nationwide lenders – tailored to your specific loan situation.

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03

Submit Application – 15 Minutes

Pick your favorite combination of rate, term, and monthly payment – and head straight to our lender partner for confirmation.

How Student Loan Refinancing Saves People Money

$16,736 in Savings

An Industrial Engineer from University of Central Florida reduced her interest expense by $16,736 from $38,396 to $21,660

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3% Lower Interest Rate

A University of Cincinnati graduate saved over 3% on his interest rate from 6.24% to 2.99%

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$130 Lower Monthly Payment

A Surgeon from Rosalind Franklin University of Medicine and Science lowered her monthly payment by $130 from $483 to $353

1% Lower Rate With Cosigner

A Registered Nurse from West Coast University saved 1% on his rate and over $5k in interest by refinancing with a cosigner

Get The Scoop on Student Loan Refinancing