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2 Standout Grad PLUS and Parent PLUS Student Loan Lenders

Graduate to a better student loan

Refinancing your student loans can save you thousands — either by shrinking your interest rates or tapping into other unique (and sometimes creative) perks. Better yet, it’s free to refinance and you can get prequalified in less than ten minutes.

Standout Grad PLUS and Parent PLUS Student Loan Lenders From Our Partners

Earnest Student Loan Refinance
Check rate

on Earnest's website

Earnest Student Loan Refinance


NerdWallet rating 
Earnest Student Loan Refinance

Min. credit score


Fixed APR


Variable APR

Check rate

on Earnest's website

Variable APR


Key facts

Best for borrowers who want to customize their repayment schedule to pay off debt fast.


  • 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.


  • You can’t apply with a co-signer.

  • Loans aren't available in Nevada.


  • 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 Lengths

5 to 20 years


Actual rate and available repayment terms will vary based on your income. Fixed rates range from 5.21% APR to 9.24% APR (excludes 0.25% Auto Pay discount). Variable rates range from 5.24% APR to 9.19% APR (excludes 0.25% 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 per month. The maximum rate for your loan is 9.13% if your loan term is 10 years or less. For loan terms of more than 10 years to 15 years, the interest rate will never exceed 9.21%. For loan terms over 15 years, the interest rate will never exceed 9.24%. 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 contain our .25% auto pay discount from a checking or savings account.

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See why the lenders make the grade

  • Earnest: Borrowers can choose their own monthly payment amount and increase it at any time to become debt-free faster.

To recap our selections...

NerdWallet's Standout Grad PLUS and Parent PLUS Student Loan Lenders