Earnest Student Loan Refinance vs. Marcus Student Loan Refinance
Side-by-side comparison · Updated 2026 · Independently reviewed
Marcus Student Loan Refinance
Marcus by Goldman Sachs
4.4
APR 5.99–9.99%. Up to $300K. Goldman Sachs backing.
Full review →WealthSpott Verdict
Earnest Student Loan Refinance wins on more measurable categories — particularly on rate and cost. Marcus Student Loan Refinance may still be the right fit depending on your loan amount and term needs.
Feature
Earnest Student Loan
Marcus Student Loan
APR Range
4.96% – 9.99% Best
5.99% – 9.99%
Loan Amount
$5,000 – $500,000 Best
$5,000 – $300,000
Term Length
60–240 months
60–240 months
Origination Fee
None
None
Min Credit Score
650+ Best
660+
Funding Speed
2–3 weeks
2–4 weeks
Earnest Student Loan Refinance
Marcus Student Loan Refinance
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