Fed Funds: 5.33%30Y FRM: 6.84%10Y Treasury: 4.42%Avg CC APR: 21.47%SOFR: 5.31%Prime Rate: 8.50%BTC: —
Fed Funds: 5.33%30Y FRM: 6.84%10Y Treasury: 4.42%Avg CC APR: 21.47%SOFR: 5.31%Prime Rate: 8.50%BTC: —
Lowest Refi

Earnest — Student Loan Refinance Review

Earnest offers student loan refinances at 4.39–9.74% APR (fixed) as of June 2026.

APR
4.39–9.74%
APR range
4.39–9.74%
Rate type
fixed
Category
Student Loan Refinance
Origination fee
None

Overview

Earnest's student loan refinance is currently priced at 4.39–9.74% APR. Custom term lengths. Skip-a-payment available..

Private student loans price based on credit score, income, and chosen term. A creditworthy cosigner usually lowers the APR. Refinancing federal loans into a private loan permanently gives up federal protections.

Compare Earnest against the alternates below for June 2026.

Pros

  • +4.39–9.74% APR is competitive for student loan refinances
  • +Faster approval than federal programs
  • +Transparent fee disclosure

Cons

  • −No federal protections (income-driven repayment, PSLF)
  • −Best rates require excellent credit and income
  • −APR may change for new originations

How it compares

Federal Direct Subsidized/Unsubsidized — Federal Undergrad
APR
6.39%
Federal Direct Unsubsidized (Grad) — Federal Grad
APR
7.94%
Federal Direct PLUS — Federal PLUS
APR
8.94%

How we review

We review student loans using verified rate data and lender disclosures. Rankings prioritize rate, fees, terms, and institutional safety — not affiliate payout. Read the full methodology.