The Short Answer: Yes, You Absolutely Can
If you’re wondering whether the Earnest Student Loan Code is still valid in 2025, the answer is a clear yes. Earnest continues to offer cash bonuses to borrowers who use referral codes when refinancing student loans. In fact, the program is thriving in 2025, giving new applicants a great incentive to refinance through a platform already known for low rates and flexible terms.
How the Code Works in 2025
The Earnest Student Loan Code still provides a bonus of $200 or more to qualifying applicants. Here’s a quick refresher:
- The code must be entered during your application.
- You’ll receive the cash bonus after your loan is disbursed.
- Your loan terms are not affected by using the code.
- Referral codes can only be used once per borrower.
Borrowers across the country are still actively using this bonus opportunity to maximize their savings during the refinancing process.
Why It’s Still Being Offered
Earnest has continued this program in 2025 as part of its strategy to attract responsible borrowers through word-of-mouth and trusted referrals. Rather than spend on traditional advertising, Earnest rewards real users who refer friends and family—making the Earnest Student Loan Code a win-win for both the referrer and the new borrower.
Same Process, Same Bonus
The referral process hasn’t changed in 2025. You simply start your application on Earnest’s website and enter the Earnest Student Loan Code in the provided field. It’s tracked through your account, and once your refinance is complete, you receive the cash bonus. Most users report receiving their reward within 2–4 weeks.
“I used the code in February 2025 and got my $200 by March—it’s still working just like before.”
Eligibility Still Matters
The key to securing the bonus is meeting Earnest’s eligibility requirements, which remain consistent:
- U.S. citizen or permanent resident
- At least a 650 credit score
- Proof of income or employment
- Degree from an eligible institution
As long as you qualify and complete the application using the Earnest Student Loan Code, the bonus is still available to you in 2025.
What If You Used a Code Before?
Each borrower can only use an Earnest Student Loan Code once. If you’ve previously refinanced with Earnest using a code, you won’t be eligible for another bonus for a new loan under the same profile. However, you can still refer others and earn $200 for each successful referral.
Tips for 2025 Applicants
- Act during promotional periods: Occasionally, Earnest increases the bonus temporarily. Keep an eye out for these.
- Use a trusted referral source: Make sure the code you use is active and valid. This ensures you’ll receive your bonus.
- Track your application: After you submit your application, keep an eye on email updates regarding loan disbursement and your bonus timeline.
Final Thoughts
Yes, you can still use the Earnest Student Loan Code in 2025—and it’s just as valuable as ever. If you’re planning to refinance your student loans, don’t miss the chance to earn extra cash on top of securing better loan terms. In just a few clicks, this small step can lead to big rewards.
