Student Loan Refinance

Student loan refinancing can potentially help you with existing federal or private loan consolidation under a single lender, lower your interest rate, change original loan terms, save you money, or simplify your loan repayment. We've partnered with Earnest to provide a refinance loan that can help you manage your outstanding student loan debt. 

Earnest Refinancing1 Features and Benefits

  • Potentially lower rates based on your full financial profile, not just your FICO score.2
  • Flexible terms that let you pick your exact monthly payment or switch between fixed and variable rates.
  • No fees for origination, prepayment, or loan disbursement.3
  • Two-minute rate check with no obligation or impact to your credit score


Get Started

All loans are subject to credit approval. Must be at least 18 years old to apply. California Coast Credit Union receives compensation from Earnest on a per-funded loan basis.

  1. You may lose benefits associated with your underlying federal and/or private loans if you refinance such as federal Income-driven Repayment Plans, Economic Hardship Deferment, Public Service Loan Forgiveness, or other deferment and forbearance options. If you file for bankruptcy, you may still be required to pay back this loan.
  2. Choosing to refinance to a longer term may lower your monthly payment but increase the amount of interest you may pay. Choosing to refinance to a shorter term may increase your monthly payment but lower the amount of interest you may pay. Review your loan documentation for total cost of your refinanced loan.
  3. Earnest does not charge fees for origination, late payments, or prepayments. Florida Stamp Tax: For Florida residents, Florida documentary stamp tax is required by law, calculated as $0.35 for each $100 (or portion thereof) of the principal loan amount, the amount of which is provided in the Final Disclosure. Lender will add the stamp tax to the principal loan amount. The full amount will be paid directly to the Florida Department of Revenue. Certificate of Registration No. 78-8016373916-1.

Earnest Loans are made by Earnest Operations LLC or One American Bank, Member FDIC. Earnest Operations LLC, NMLS #1204917. 535 Mission St., Suite 1663, San Francisco, CA 94105. California Financing Law License 6054788. Visit for a full list of licensed states. For California residents (Student Loan Refinance Only): Loans will be arranged or made pursuant to a California Financing Law License. One American Bank, 515 S. Minnesota Ave, Sioux Falls, SD 57104. Earnest loans are serviced by Earnest Operations LLC with support from Navient Solutions LLC (NMLS #212430). One American Bank and Earnest LLC and its subsidiaries, including Earnest Operations LLC, are not sponsored by agencies of the United States of America.

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