Best of
2 Standout Dental School Loan Refinance Lenders of October 2025
Jun 3, 2021
Many, or all, of the products featured on this page are from our advertising partners who compensate us when you take certain actions on our website or click to take an action on their website. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money.
Once you've exhausted federal student loan options, you may need a private student loan to fill a gap in your financial aid package. Compare student loan rates from these top-rated lenders so you can go back to focusing on your degree.
| Lender | NerdWallet Rating | Min. credit score | Fixed APR | Variable APR | Learn more |
|---|---|---|---|---|---|
4.5 /5 | 665 | 4.99-9.99% | 5.88-9.99% |
Excellent for
Refinancing after residency
Earnest Student Loan Refinance
Min. credit score
665
Fixed APR
4.99-9.99%
Variable APR
5.88-9.99%
Key factsBest for borrowers who want to customize their repayment schedule to pay off debt fast.
Pros
- Customizable payments and loan terms.
- Option to skip one payment every 12 months.
- You can see if you’ll qualify and what rate you’ll get without a hard credit check.
Cons
- Loans aren't available in Nevada.
Qualifications
- Typical credit score of approved borrowers or co-signers: 760.
- Loan amounts: $5,000 to $500,000.
- Must have a degree: No, but must be within six months of graduation and have income or a job.
Available Term Lengths5 to 20 years
DisclaimerActual rate will vary based on your financial profile. Fixed annual percentage rates (APR) range from 5.24% APR to 10.24% (4.99% - 9.99% .25% auto pay discount). Variable annual percentage rates (APR) range from 6.13% to 10.24% (5.88% - 9.99% .25% auto pay discount). Earnest variable interest rate student loan refinance loans are based on a publicly available index, the 30-day Average Secured Overnight Financing Rate (SOFR) published by the Federal Reserve Bank of New York. The variable rate is based on the rate published on the 25th day, or the next business day, of the preceding calendar month, rounded to the nearest hundredth of a percent. The rate will not increase more than once a month, but there is no limit on the amount that the rate could increase at one time. Please note, we are not able to offer variable rate loans in AK, IL, MN, NH, OH, TN, and TX. Our lowest rates are only available for our most credit qualified borrowers and require selection of our shortest term offered (5 years) and enrollment in our .25% auto pay discount from a checking or savings account. Enrolling in autopay is not required as a condition for approval.
Last updated on June 3, 2021
NerdWallet's Standout Dental School Loan Refinance Lenders of October 2025
- Earnest Student Loan Refinance: Excellent for Refinancing after residency
