Compare Earnest vs. SoFi Student Loan Refinance

What’s the difference between Earnest Student Loan Refinance and SoFi Student Loan Refinance? See how our editors compare the two companies below.
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Earnest
9.8 / 10 - Exellent
#1 in Student Loan Refinance
Our Partner
SoFi
9.5 / 10 - Exellent
#2 in Student Loan Refinance
Our Partner
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Key Facts
  • Our #1 Choice Saves you $21,810 on average for student loan refinancing
  • More rates to choose from = more flexibility
  • Switch from fixed to variable or vice versa to take advantage of low interest rates
  • Unemployment protection
  • Change payment amount and payment date anytime
  • Get a quick rate estimate in 2 minutes
  • A bank with personality. Call, email or text them anytime.
  • No minimum credit score or minimum income requirements
  • SoFi members save an average of $17,208 by refinancing their student loans
  • Find your rate in 2 minutes
  • Consolidate & refinance your federal or private student loans
  • As low as 2.24% adjustable or 3.50% fixed APR
  • Up to 20 year loan terms
  • Unemployment protection
  • Simple online application
ConsumersAdvocate.org Ratings
9.8 / 10 - Exellent
10/10
Savings
10/10
Qualifications
10/10
Loan Limits/Terms
9/10
Customer Service
10/10
Additional Fees
9/10
Application Process
9.5 / 10 - Exellent
10/10
Savings
9/10
Qualifications
10/10
Loan Limits/Terms
10/10
Customer Service
10/10
Additional Fees
9/10
Application Process
Customer Reviews
 (1)
1.0 / 10 - Terrible
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5 stars
0%
4 stars
0%
3 stars
0%
2 stars
100%
1 stars
Final Verdict

Earnest Student Loan Refinance has a higher overall rating than SoFi Student Loan Refinance. Earnest scores better than SoFi across: Qualifications. However, SoFi scores better on Customer Service. Both companies score similarly on Savings, Loan Limits/Terms, Additional Fees, and Application Process.