Consolidating college access loans
Different lenders have different credit requirements, but for Earnest, a minimum credit score of 650 is necessary for approval.
Typically, the better your credit, the lower a rate a lender will be willing to offer.
Once you’re approved, you are automatically approved for the total eligible student loan amount listed on your credit report.
When you’re ready to accept your loan, you can choose to refinance less than the requested amount (as long as it’s above ,000) or up to 105% of your approved amount. When considering refinancing your federal student loans, it is important to review the current protections and benefits you are granted with those loans, and understand which of those you may be giving up when refinancing with a private lender like Earnest.
The DEAL Consolidation Loan is for non-North Dakota residents who have a DEAL Student Loan.
Variable interest rate loans typically start with a lower interest rate, but the rate can go up and down—along with your monthly payment. We’re proud to offer some of the lowest rates available.When comparing rates from different lenders, be sure to pay attention to additional key differences, such as fees, before making a final decision (Earnest has no fees, for what it’s worth).The next step is to submit an application, and provide any additional required verification, such as IDs or pay stubs.** The variable interest rate will never exceed 10.00%.Learn more about fixed and variable interest rates.