earnest logo
Credible rating
Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. Read our full methodology.
Rates and terms
Fees and Discounts
Customer Experience
Earnest Student Loan Refinancing
Min. credit score
Minimum credit score needed to qualify
Loan amount
Range needed to refinance with this lender
$5,000 to $500,000
Cosigner release
Ability to release your cosigner

Earnest isn’t one of our partner lenders.
But you can use Credible to compare rates from other student loan refinancing lenders in 2 minutes.

Check Personalized Rates
Checking rates won't affect your credit score