We negotiate student loan rates using collective bargaining.
We built a large member base of students looking to negotiate loan rates, took our group to several lenders, and picked the best offer from 7 different lenders who bid.
You don’t pay anything to utilize the deal, just click through our link and you’ll have access to our exclusive rates. It’s that simple. No strings attached.
LeverEdge Members receive an exclusive $500 Bonus compared to borrowers who directly go to Earnest.
The specific rate you receive will depend upon a wide range of factors. Our analysis of each lender's bid suggests Earnest's rates will be the best for a large share of LeverEdge Members.
Rates include auto-pay discountCheck Your Rates
Our analysis of Earnest's offer suggests that the rates they have offered us are top of market for the majority of qualified individuals looking to refinance their student loans.
|Rates Starting At||Fixed||Variable|
The information above was compiled for the following sources:
LeverEdge Members can get a rate estimate in under 2 minutes, which won't affect their credit score or put them under any obligation.
Choose the loan term and monthly payments that fit your needs. No need to select from pre-determined options like 5, 7, or 10 year loans.
Earnest has no prepayment, origination, disbursement, or other fees. You have the freedom to pay down your loan faster than the repayment schedule.
Earnest services their own loans. LeverEdge Members have access to their on-site customer support team for the life of their loan.
If you have been shopping around, you can use our calculator to compare different offers that you have received including the negotiated deal from Earnest.
|Option||Interest Rate||Loan Term||Monthly Payment||Total Payments|
|Enter your first option to see more information|
|$500 Bonus for LeverEdge Members|
|0.25% rate reduction for auto-pay|
|No application or origination fee|
|No early repayment penalty|
Based on the surveys of LeverEdge Members in the Spring 2019 Refinance Negotiation Group, we believe that a vast majority of LeverEdge Members meet the eligibility criteria for Earnest Refinance loans. The following information has been copied from: https://www.earnest.com/eligibility for your convenience.