Earnest Review

Overall a positive experience and outcome, though there was was unnecessary confusion in the process, where one of your staff would say "we got all your documents" then another of your staff would say "we're still waiting on your documents" - so making sure all staff involved are communicating with eachother will help.

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I believe that the process of refiancing with earnest was more simplified and descriptive on the information that i needed to have on hand and the routes of avenue to obtain them from my sallie mae account. I was able to find the needed information quickly with the help and with other companies it required follow up calls with agents that seemed to confuse the process for me. After my experience with earnest I would recommend most people to go through them for their refiancing options.

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Earnest alleviated a huge burden, and much worry, by consolidating my various private student loans and giving me a competitive fixed interest rate. Also, Earnest made the process straightforward, not awfully time consuming, and relatively painless. I appreciate Earnest.

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My experience with Earnest was great! I received a courtesy call on things needed to complete the process. The turn around time for approval and dispersement of funds was fairly quick. I would definitely recommend them to others.

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Everything has gone well. Waiting on school approval.

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The application process was simple. Results were returned in a matter of a few minutes. The website is fast and easy, we'll use Earnest for all out student borrowing needs.

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People are okay but they take forever on purpose not to give a promotional offer

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Earnest has a snappy, professional image, with a polished UI and expertly marketed branding, but behind this is a mediocre financial institution with sub-par support and if you're not careful they can slow-walk you into a a bad deal or away from other good opportunities. I applied to refinance my federal student loans online and was presented with a "pre-approved" quoted interest rate. The rate and terms were good, so I submitted all of the required supporting document and my account was opened. I was then instructed to obtain the "payoff" amount from my previous loan servicer, and as I was getting that I got an emailed update telling me that my interest rate had been increased nearly 2% so that it was now higher than the original interest rate. There was nothing missing from my supporting documents, and all of them confirmed what I had already disclosed in my application - I was never given any reason or explanation why my rate increased so dramatically and my expectation is that if the terms of the deal would be changing materially (such as a higher interest rate) that should be disclosed BEFORE an account is opened. I couldn't get anyone to respond or speak to me at all regarding my application, so I was forced to go elsewhere to refinance my loans - and fortunately I found an even better rate with a different company.

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Service was fast and efficient. As a non-traditional student having private loans is essential for me. So having the ability to have flexible payments was also a win!

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Very quick response wow, never have I had the quickest response. Customer service is excellent as well. Fast easy and wonderful people.

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The representative was very helpful I would rate him. 5 on professionalism and timely responses. I am rating your company a 4 as I believe the rate and terms to be in excess given my credit rating.

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Easy online application , no different from the others really but the rate that Earnest offered me was the winner

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The whole process was incredibly simple and the representative I spoke with walked me through each step. Couldn't have been easier.

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As an older student going back to college it has been really difficult finding a loan to help pay for living expenses. After moving 1400 miles away from home this was a really overwhelming and daunting experience. I am so thankful to earnest for making a way for me to now finish this semester without worry or financial stress!!!

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Very easy to navigate with very quick response

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Was very easy to file for the loan, I had no issues and was kept in the loop via email every step of the way.

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I called Earnest maybe 10 times across two days with questions on how to refinance my loan and I was answered promptly and with patience. Everyone was super helpful and knowledgeable save for one associate who didn't seem to know about the Earnest partnership with Juno but perhaps they were new. Even then they were able to find me the answer I needed with just some time on hold. Highly recommend Earnest!! I had both my initial students with them as well and am glad I get to keep them as a refinancer.

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I’ve had a wonderful experience with Earnest. The application process was quick and easy to understand and went through the same day. Would definitely recommend them to any student looking for a loan.

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Fairly great to follow

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This experience was awesome and quick. I appreciate the great service.

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Good on time help.

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Great support in the application process! Thank you

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Incredibly easy process from start to finish. Didn’t feel any stress

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The response to my loan application was swift. I mean literally within seconds there was an approval email in my inbox. I was truly surprised because I was expecting a long drawn out experience. It doesn’t get any easier than that. Thank you Earnest team. I look forward to a positive lending experience.

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Quick and easy process

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Your outline for application was easy to follow.

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Refinancing with Earnest was a surprisingly pleasant experience. The online user interface worked flawlessly and when I reached out to a customer service person they were professional, knowledgable, and followed through with their obligations.

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I had some problems with the application, but it all worked out. I don't know if it was my old computer or something else, as long as my Grand Son got his loan, I am OK with it.

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Iz was super easy and convenient!

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I love how quick Earnest was. I am 2 weeks into school and I can't register for classes and pay my dorm deposit until I either pay my bill in full or take a loan out. Earnest made this process so much easier than I thought and within almost a week I get to start my 2nd year in college and pay my deposit to dorm. Thankyou Earnest

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Provide a direction well prepared for customers.

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So easy. It was a gift to get funds so easily while in the stressful period of preparing for college. Thanks for that.

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Keep up the good work

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Very quick and painless! Great rates too.

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I wish it could’ve been sent earlier but overall was an easy process

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I have never heard of your company, but happy that a friend referred us to you. It's been a pleasure. Thanks for giving us the opportunity to experience your company.

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Easiest loan experience we have ever had. So far so good.

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Quick, simple process. Easy to understand. Regular updates on the process. Great rates!

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Pretty good and painless to use website. I wish you gave a daily interest accrual number for rates given but that’s just nit picking.

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The process was made easy.

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Excellent service

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Excellent service

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Easy to refinance, would have liked a lower rate.

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Transition was easy and quick

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As thumb breakers go, Earnest loans have not been extremely thumb-breakey. I give them the highest rating I can in good conscience render to businesses of this type. 3 stars for my thumbs still being intact.

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Excellent service and definitely will use again.

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Every step of the process was explained making things easier to understand.

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The loan process is a very confusing thing at first and we heard about Earnest through a friend. The rates were better and they gave us many options for paying it back. The only thing I would improve upon would be to allow the user to update the loan amount (lowered in our case) without having to start a new loan process.

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The Earnest team was very responsive to questions and the process was Very Easy!!

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I was new to the college loan concept and process. Most companies sent advertising with no phone numbers. I was completely overwhelmed. When I called Earnest twice, they were SO knowledgeable and helpful. They also didn’t do that annoying thing where the repeat everything you say. When most rates are about the same, customer service stands out even more. I would never go anywhere else!!

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the website is easy to use and their response are fast

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I applied for more than I thought needed just to be safe. Speaking with an advisor from Ernest I was assured they would contact the University to see balance after grants and scholarships were applied and only send remaining balance. This statement by the Ernest advisor was wrong, they sent the University $4,000 more than the remaining balance for the semester. Now I have to pull the excess money and place it back on the loan through Ernest,

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With only two days left on my decision deadline to apply for the ParentPlus loan from the government, I was a little stressed about the high interest rate they were offering. I was referred by Juno to Earnest and the whole process was so easy! The application and decision were all done within 24 hours and the interest rate Earnest offered was way lower that the government loan. I am SO happy this was a choice and that we found them.

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Very quick approval and great rate.

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Process was quick and straightforward.

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Very simple loan application process. I received notice very quickly that my sons were approved. My only complaint is that I have 2 sons applying for loans at the same time and the emails I received after the loans were signed did not state which son’s loan was ready to go and which son’s loan was certified and which son’s loan was dispersed. All the emails before these last ones stated which son invited me to co-sign and which son’s loan was approved.

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Easy process and quick results.

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It was great and quick….I didn’t want to do another student loan, but they made it happen for my child to continue his education…Thank you again

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Simple online application! Notified in a timely manner

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The process was easy and quick!

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Great experience, easy process, quick response.

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Great to deal with! As a first timer sending their child to college, you made it very easy to navigate as well as answer all of my many questions!

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great customer service

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This is such an easy process! Thank you for having such an amazing website - easy, fast, excellent communication.

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I appreciate the effortless application process. It was very stress-free. The information provided sufficiently addressed all questions I had. I will not hesitate to call Earnest in the future.

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This was the most stress free process that I have ever experienced. The service is amazing and gave me the opportunity to apply for a loan without being stressed. Thank you for your support.

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Simple, easy, fast process; I needed a small graduate school loan @ the last minute, and Earnest did the job.

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I was soo pleased with how they waited for me to get everything straight with my school before they proceeded. Thank You.

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Very easy process to reapply for additional loan. The waiting period for loan acceptance was rapid. Loan payment was sent in record time. Very satisfied

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From start to finish, excellent service. great communication.

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It was overall good, but the layout of the website needs work, need arrows everywhere not just when it’s more convenient to have them.

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Very nice staff and quick response.

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So easy! Thanks for making this process easy. So much better than dealing with Navient.

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Always a great experience and the funds are ready fast.

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They are always there when I need them.

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They were patient and ready to answer all my questions

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Great experience with Earnest. Easy to get a hold of and the whole process took like a week. Highly recommended. Competitive rates.

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Earnest is by far the best company to use for student loans. Everyone I spoke with was beyond helpful, patient, informative, and helped me navigate the process seamlessly and easily. They made me feel confident in my decision. The also matched the lowest rate I found and I will be paid 1% per f my loan for researching and finding a lower rate than they originally offered.

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Customer service is as exceptional. Everyone I spoke with was knowledgeable, kind, and helped me navigate the process. They took their time to make sure all my needs were met. They also matched the rate I found with another company and will pay me 1% of the loan I took for doing my due diligence.

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Documentation upload was the only difficult part of this process as I was not informed what documents I was missing until I directly asked because my loan request was not progressing. Other than that lay out is simple and things are quick and easy to understand!

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Did not understand when loans will be released to school

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The process was pretty fast and simple.

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I was in a pinch and realized I needed more money for my daughters tuition than expected. Earnest was quick and easy for my daughter to apply for a student loan and made co-signing very easy. Everything was linked for us. I was updated every step of the way. The whole process took about 2 weeks and the school had the money in my child’s account and paid for.

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Very quick and easy

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Quick decision. Quick processing and response. Great rates. Great people. Great company. No complaints.

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Personally, I can't thank Haley and team enough for working with me as a cosigner for my grandson's student loan. our problem was not any fault of anyone but Rosemont college. Hailey and team were available every step of the way in a most professional, knowledgeable, and pleasant way. Thank you for making a very stressful situation easy to deal with in order to gain certification for the past semester. We know we made the right decision by using Earnest!

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Super easy to navigate!

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The process was clear and straightforward. It made the stressful experience stress free.

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Your interest rates are the lowest I could find yet they managed to stay above 6% unless I was willing to drop mad money. And when I tried to figure out a way to lower the interest there was no one and nothing to help

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Made it easy to apply for a college student loan. Easy to contact and talk with an actual person.

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Very easy and user friendly platform.

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Great experience, customer service was super helpful

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The attention given to the loan application was excellent and exemplary. The above 4 Starts in my opinion imply my rating is excellent. I say 'thank you'.

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Very fast and efficient service

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Just waiting for the loan to be submitted to Penn State it has not gone to the school as of it.

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Easy process.

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It has always been good and easy

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My experience as a new earnest customer was made easy by the email communications and very user friendly forms. Works very well with a mobile device.

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this was a great overall experience in lending. Submit application. Follow with uploading docs. Get constant updates. close

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They were very quick and the process was easy. Rates were comparable to others

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