Earnest Student Loan Refinancing
Refinancing with education requirements that distinguish a borrower’s own loans from a child’s education debt.
Checked facts and conditions
Your education loans
Earnest’s guidance generally requires a completed associate degree or higher, and considers applicants graduating in the current semester. It also describes circumstances where students still in school may refinance undergraduate loans; confirm which debts qualify.
Source: Earnest degree and enrollment requirements ↓A child’s education loans
A parent applicant does not need their own degree. Earnest asks that the child has completed their education or is in the last semester before graduation.
Source: Earnest degree and enrollment requirements ↓Lending and servicing
Earnest’s help center identifies Earnest Operations LLC or FinWise Bank as the loan maker and Earnest Operations LLC, supported by MOHELA, as the servicer. Confirm the legal lender in your documents.
Source: Earnest cosigner-release guidance ↓Questions for your actual offer
- Which of my existing loans and degree programs qualify?
- What is the full cost of the refinance compared with keeping my current loans?
- Who will be legally responsible, and can any cosigner be released under this specific agreement?
Compare fixed and variable APRs separately, using the same amount and term. Review the final loan agreement for fees, total payments and cosigner obligations.
Provider sources
- Earnest degree and enrollment requirements ↗
Checked 2026-09-14
- Earnest cosigner-release guidance ↗
Checked 2026-09-14