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Earnest Review

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Reviews 5,217

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Sally Herigstad
Sally Herigstad
May. 03, 20214 min read

Earnest summary

With Earnest, you can apply and see student refinancing rates you qualify for in as little as 2 minutes. They are a direct lender, so your loan is funded by Earnest as well as serviced by them. Earnest also has programs to help you manage student loan repayments, such as the ability to skip one payment per year.

Pros

  • All loans are serviced in house
  • Get your interest rate in two minutes
  • Ability to skip one payment per year

Cons

  • Not available in Kentucky or Nevada
  • Strict credit score requirement
Earnestat a glance
4.6

Editorial score

Online experience

Has learning resources, access to rates, mobile app

5.0

Customer services and support

Multiple ways of reaching lender, wide range of hours

4.0

Repayment flexibility

Offers flexible repayment plans & the option for special repayment programs

5.0

Loan Types Covered

Covers most student loan types

4.0

Eligibility

Loans available to all credit types, income levels, and loan types

5.0

Earnest Earnest View Rates

Suitable For?

Earnest student loan refinancing is suitable for borrowers who have higher interest rates on their student loans and want to take advantage of current low rates. Some borrowers with federally held loans may choose not to refinance in order to remain eligible for  benefits applicable to federally held loans.

Loan Features

Earnest offers student loan refinancing with the following features:

  • Fixed-rates from 2.74% - 7.99% APR with AutoPay
  • Variable-rates from 1.74% - 7.99% APR with AutoPay
  • Loans with minimum size of $5,000 and up ($10,000 and up in California)

The Application Process

Click the “Get Started” button and answer a few questions about your student loan needs. You’ll get an interest rate estimate in minutes, without impacting your credit score.

If you like the rate you see, you can complete the application, upload documentation, and finalize your loan. You’ll be able to choose between making your payments monthly or bi-weekly.

Loan Eligibility Requirements

The main eligibility requirements for obtaining a loan from Earnest are:

  • Age 18 or older
  • Resident of one of 48 states or the District of Columbia (all but Kentucky and Nevada)
  • Adequate income to cover expenses
  • Minimum credit score of 650 and a good financial history
  • Enrolled less than half-time and your loans are in repayment, or you will complete your degree at the end of the coming semester OR meet all of the following criteria:
    • The degree is incomplete
    • The last attending date was over 6 years ago
    • Your credit score is 700+
    • The school you attended was not a for-profit school
  • Be a U.S. citizen or have a 10-year Permanent Resident Card

If you don’t meet the income, credit score, or U.S. citizen or residency status requirements, you may still qualify if you have a cosigner who meets these requirements.

Repayment Terms

Unlike most lenders who offer fixed loan terms, Earnest lets you choose the length of your loan. You decide how quickly you want to pay off your loan, and choose a loan length to the month. For example, you may decide you can afford to pay off your loan in 9 years and 8 months, or that may be the amount of time you had left on your previous loan. You can generally get a loan for that length of time.

The APR you pay depends on factors including your credit score. Fixed rate loans range from 2.74% - 7.99% APR, and variable rate loans range from 1.74% - 7.99% APR.

How Safe Is It?

The data you enter on the Earnest site is encrypted using industry-standard SSL technology. It is sent to servers in an off-site data center, where data is protected by firewalls, private subnets, and multi-factor authentication.

Help & Support

You can get help in three ways:

  • Submit a request using the online form
  • Use online chat
  • Call 1-(888)-601-2801 Monday - Friday, 8:00 AM to 5:00 PM PT, excluding holidays

Summary

Earnest works with you to meet your goals for refinancing your student loans. Whether it’s consolidating multiple loans, getting a better interest rate, removing a co-signer, or choosing a custom loan term to pay off your loan sooner, Earnest is there to help. They even have a Client Happiness team to help with your loan experience.

Physical Address

535 Mission St., Suite1663

San Francisco, CA 94105

Earnest Earnest View Rates

Disclaimers

Interest Rate Disclosure:

Actual rate and available repayment terms will vary based on your income. Fixed rates range from 2.99% APR to 8.24% APR (excludes 0.25% Auto Pay discount). Variable rates range from 1.99% APR to 8.24% 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 8.95% 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 9.95%. For loan terms over 15 years, the interest rate will never exceed 11.95%. Please note, we are not able to offer variable rate loans in AK, IL, MN, NH, OH, TN, and TX.

AutoPay Discount Disclosure:

You can take advantage of the AutoPay interest rate reduction by setting up and maintaining active and automatic ACH withdrawal of your loan payment. The interest rate reduction for Auto Pay will be available only while your loan is enrolled in AutoPay. Interest rate incentives for utilizing Auto Pay may not be combined with certain private student loan repayment programs that also offer an interest rate reduction. For multi-party loans, only one party may enroll in AutoPay.

Lender Identification Footnote:

Earnest Loans are made by Earnest Operations LLC or One American Bank, Member FDIC. Earnest Operations LLC, NMLS #1204917. 535 Mission St., Suite 1663, San Francisco, CA 94105. California Financing Law License 6054788. Visit earnest.com/licenses for a full list of licensed states.

One American Bank, 515 S. Minnesota Ave, Sioux Falls, SD 57104. Earnest loans are serviced by Earnest Operations LLC with support from Navient Solutions LLC (NMLS #212430). One American Bank and Earnest LLC and its subsidiaries are not sponsored by or agencies of the United States of America.

© 2021 Earnest LLC. All rights reserved.

Sally Herigstad
Written bySally Herigstad

Sally has been writing about personal finance since 1998 and is the author of “Help! I Can’t Pay My Bills” (St. Martin’s Griffin). She is a licensed real estate broker in Washington state and a retired certified public accountant. She writes for BestMoney and enjoys helping readers make sense of the options on the market.‎

Earnest
Earnest
ExcellentReviews 5,217
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Trustpilot reviews

See what some costumers are saying about Earnest
Earnest
ExcellentReviews 5,217
on
Excellent
85%
Great
9%
Average
2%
Poor
1%
Bad
3%
  • author
    Victoria Wagner
    15 hours ago
    Super simple process!

    Super simple process!

    ...

  • author
    Mike S
    3 days ago
    Easy application

    Easy application. Added additional info after an approval was made and they were quick to adjust the loan conditions.

    ...

  • author
    Sara
    3 days ago
    Great experience

    Great experience! Best rate to date! Easy to facilitate the refinance of my student loans. Lowest interest rate yet and this is the 3rd time I’ve refinanced my student loans.

    ...

  • author
    Andrew Tiner
    4 days ago
    Great Customer Service

    I was impressed with the level of customer service. They were able to help me lock in a great rate. Pleasant to do business with. They paid off my previous lender fast.

    ...

  • author
    Haley Williams
    4 days ago
    Easy But High Interest Rates

    It was quick and easy to apply and be approved for a loan. The only downfall is the god awful amount of interest they charge. If you don't pay it off quickly, you'll be paying back more than double the original loan amount.

    ...

  • author
    Michael Rypiak
    4 days ago
    Ok!!!!

    Ok!!!!!!!!!!!!!

    ...

  • author
    Bond Eke-opara
    4 days ago
    Customer service is excellent and…

    Customer service is excellent and welcoming.

    ...

  • author
    Taylor
    4 days ago
    Earnest saved me thousands

    I was finally able to consolidate my student loans at a decent interest rate. I took out private loans from 3 different companies had was paying over $1000/month in student loans payments. I am saving almost $400/month by consolidating and by refinancing at a lower interest rate, in the long run I will save 10s of thousands! It was super easy to apply and my loan was approved within 24 hours. Earnest was finally able to have me breathe again and I am so thankful. They were also super quick to pay off the loans. Now I am just waiting to have this communicated to the credit bureau.

    ...

  • author
    customer
    May 12, 2022
    GREAT CUSTOMER SERVICE

    GREAT CUSTOMER SERVICE

    ...

  • author
    Michael Frost
    May 11, 2022
    good process

    good process - thx

    ...

  • author
    Kevin Mazzeo
    May 10, 2022
    Relatively easy to use

    Relatively easy to use, I appreciate the different payment options on monthly, or bi weekly. The customer service is very responsive and helpful if you ever need them. Got my loan from them a few years ago to get out of Sallie Mae and cut my rate in half which was amazing. They don't have an app, which is strange since everyone has an app these days. They also said I was eligible for a interest rate in the lower 3's so I refinanced my loan with them and despite having a great credit score they only were able to give me 4.5% or 4.26% with auto pay discount which was like 0.2% lower then my current rate that I had with them. I'd give them 5 stars but not having an app and the interest rate prevented that.

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  • author
    Emily Trigg
    May 08, 2022
    So easy to do and provided me such…

    So easy to do and provided me such relief!

    ...

  • author
    Josheemom
    May 08, 2022
    Customer service was very helpful

    Customer service was very helpful, even called me back when our call got cut off.

    ...

  • author
    Sean M.
    May 07, 2022
    No Transparency

    While Earnest has great features such as biweekly payment, some of their processes are egregious from a customer service perspective. I refinanced a student loan with them in 2020 at a fixed interest rate. Apparently, there were errors and they made adjustments in my favor, both to interest and principal, and lowered my fixed interest rate by one basis point. However, when I asked to see the back-up to better understand why the adjustments were made, the response was we “have audited the calculations and had a separate team confirm there were no errors, but we cannot share that information with you as a matter of company policy.” To me, that makes zero sense. If you made the error in the first place (albeit I would’ve never known about the error otherwise), then you should be more than willing to show me what, how and why you arrived at the adjustments. Big banks do the same with respect to mortgages. I couldn’t stand for this as a matter of principle and refinanced with SoFi.

    ...

  • author
    Joy Miller
    May 05, 2022
    Love it! So EASY!

    Such an easy process with clean and reasonable terms.

    ...

  • author
    Jodin
    May 05, 2022
    The rates they show and the rate I got…

    The rates they show and the rate I got were way off. Have a great credit score over 820 and only ended up saving just over a point on my current loan. Also they didn’t pay off the full amount of my other loan which was annoying.

    ...

  • author
    KTB
    May 03, 2022
    Easy application and process

    Easy application and process. They are saving me money each month and I was able to reduce the term of the loan by years. I would highly recommend using them for student loans.

    ...

  • author
    Madisyn
    May 02, 2022
    Getting this loan was very easy and…

    Getting this loan was very easy and understandable. I really respect that they offer a .25% lower interest rate when using autopay. The website is very easy to navigate and everything is explained in depth.

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  • author
    Ernest Frausto
    Apr 30, 2022
    Expectations met

    Fast, simple process, with positive results. Lived up to my expectations.

    ...

  • author
    John ONeill
    Apr 30, 2022
    Very professional and courteous…

    Very professional and courteous guidance throughout the process! I would recommend Earnest to anyone interested in seeking student loan consolidation!!

    ...

  • author
    Brandy
    Apr 30, 2022
    I was told I was eligible for a 2.44%…

    I was told I was eligible for a 2.44% interest rate and got 2.57%.

    ...

  • author
    Bobbi Rossi
    Apr 30, 2022
    Fast

    Fast, Thorough, Easy. Do it!

    ...

  • author
    Akoth Okiro
    Apr 29, 2022
    Earnest is the way to go!

    The Earnest loan process was quick and painless. They were very efficient and communicated in a timely manner. I got my response within a very short time, even when I asked questions. I have no complaints whatsoever. They also do not fill your inbox with numerous notifications. I would not hesitate to recommend them.

    ...

  • author
    Danielle Allo
    Apr 29, 2022
    Great feedback and efficient!

    Great feedback and efficient!

    ...

  • author
    Melinda Schmidt
    Apr 28, 2022
    Earnest is a private student loan lender and you are…

    Earnest is a private student loan lender and you are not able to receive extensions with 0 interest rate. Horrible!!! I wish I never did this!!!

    ...

  • author
    Robert S.
    Apr 28, 2022
    Excellent on answering questions and…Earnest, Indeed!!

    Excellent on answering questions and taking customers through the process.

    ...

  • author
    Guru prasad Ghanta
    Apr 28, 2022
    Easy to use format and prompt response…

    Easy to use format and prompt response after form is filled

    ...

  • author
    Alyssa Martinez
    Apr 27, 2022
    The process was very easy

    The process was very easy. It was a nice/convenient Streamlined process. The website is very easy to navigate and user friendly.

    ...

  • author
    KOLYN MOTT
    Apr 27, 2022
    Refinanced student loans twice with…

    Refinanced student loans twice with earnest and everything has been quick and easy.

    ...

  • author
    Yin-Long Qiu
    Apr 26, 2022
    Extremely efficient system!

    Extremely efficient system!

    ...

  • author
    Sarah
    Apr 25, 2022
    Prompt Response and Great Rate!

    I was able to get all my questions answered in a timely manner and got a great rate for my loan.

    ...

  • author
    Hima Suram
    Apr 24, 2022
    Highly recommend!

    The entire experience was extremely pleasant and seamless. The call centre executives helped out at each step and the terms offered were by far the best for an International student loan.

    ...

  • author
    Mary Shelton
    Apr 23, 2022
    Excellent and expedient customer service

    Excellent and expedient customer service

    ...

  • author
    Tiffany Simpson
    Apr 23, 2022
    Helpful friendly relatively easy to use.

    Helpful friendly relatively easy to use.

    ...

  • author
    DP
    Apr 23, 2022
    Great Service & Peace of Mind

    I received a great level of service from my Earnest representatives! They responded promptly and courteously to all of my messages. They were incredibly patient with helping me to maneuver through the process. I felt such a strong comfort level and trust from them when I spoke with them by phone and electronically that it was a no-brained for me to refinance my student loans with them as my prior lender’s service sucked (to put it mildly). I feel so much better now clearly understanding my loan terms and knowing that my loans are much more manageable now too. Thank you Earnest!

    ...

  • author
    Travis Craig
    Apr 23, 2022
    Worked great just a little difficult to…

    Worked great just a little difficult to get into contact with someone to resolve a couple issues

    ...

  • author
    Julie
    Apr 22, 2022
    Easy to apply!

    I have been happy with the process so far. The application process was easy. The information regarding the details of the loan were laid out in an easy understandble manner. The rate was 1/2 what my other loan servicer was offering. I was also able to consolidate multiple loans into a 10 year affordable loan.

    ...

  • author
    Kaitlin
    Apr 21, 2022
    Great experience

    Earnest was quick and easy, with the best student loan refi rate around.

    ...

  • author
    N/A
    Apr 21, 2022
    They were very helpful during this…

    They were very helpful during this process!

    ...

  • author
    Depty
    Apr 21, 2022
    Simple and quick approval process

    Simple and quick approval process, low interest rates

    ...

  • author
    Zoque Wahid
    Apr 21, 2022
    Very happy

    I’ve had an amazing experience with the Earnest team, especially in the student loan department. Great work

    ...

  • author
    Akul Sayal
    Apr 20, 2022
    Lowest rates, super smooth process

    Smooth and super fast process with excellent customer support! Best rates out there!

    ...

  • author
    Grace M.
    Apr 20, 2022
    Earnest has been so easy and quick to…

    Earnest has been so easy and quick to work with. The humility they show by having a great response rate, user-friendly process, and easy access to someone you can ask questions to really makes for the greatest user experience.

    ...

  • author
    Sabrina
    Apr 20, 2022
    Earnest is awesome

    Earnest is awesome! Got a much better rate with them and was able to refinance again when my credit score got better! You can also pick your own payment (which will correlate with your rate) so you don’t have to worry as much. Really recommend them

    ...

  • author
    M Ghita
    Apr 18, 2022
    The process was very easy and…

    The process was very easy and organized. I love how easy I could adjust the loan I was applying for.

    ...

  • author
    Christina Collier
    Apr 17, 2022
    My refinance of my student loan was…

    My refinance of my student loan was extremely easy and the customer service was excellent!

    ...

  • author
    Olivia Kpodo-aikeins
    Apr 16, 2022
    My experience with Students loan

    The process of loan application was simple and fast. However, the loan approval took a little longer than I expected compared to other previous loans I applied in the past. Also, I expected to be given a lower interest rate than what’s offered taking into consideration my credit score. The time to disperse funds seem longer than my experience with other previous students loans. My advice is to process everything within few days to not loose customers. Also, don’t scare customers away with higher interest rates. I almost backed out because of the higher interest rate. I accepted the rate because I didn’t have time to shop.

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  • author
    Daniel Ethakoti
    Apr 16, 2022
    Very helpful and quick

    Very helpful and quick

    ...

  • author
    Pranjal Singla
    Apr 16, 2022
    Very user friendly and efficient process

    Very user friendly and efficient process

    ...

  • author
    Christopher Heard
    Apr 16, 2022
    Everything was easy to understand and…

    Everything was easy to understand and to get finished. The process was simple and didnt require many steps.

    ...

  • author
    walfrido GISBERT
    Apr 15, 2022
    Best service great rate and excellent…

    Best service great rate and excellent customer service !!

    ...

  • author
    Daniel Jones
    Apr 15, 2022
    A+ Customer service

    A+ Customer service. Competitive rates.

    ...

  • author
    Chad Cassis
    Apr 15, 2022
    Fast and efficient!!

    They were very friendly and helpful. They were able to refinance and consolidate my loans for me without any type of hassle whatsoever. Overall a very smooth and easy process!

    ...

  • author
    Thomas
    Apr 14, 2022
    Our experience has been great

    Our experience has been great. Adam was extremely friendly, helpful and patient. The process has met and exceeded our expectations.

    ...

  • author
    Zack Sabadosa
    Apr 14, 2022
    Super easy to use the application…

    Super easy to use the application portal. Also the chat function and customer service team are fantastic.

    ...

  • author
    Luther
    Apr 14, 2022
    Consolidating student loans

    The entire transaction beginning to end with extremely smooth

    ...

  • author
    Holly
    Apr 14, 2022
    Lower Monthly Payment with Sooner Payoff Date

    Very easy process! I’ve had trouble with my federal aid regarding completing documentation and reaching customer support. Most times I had a wait time of over an hour on the phone before speaking with a representative and it would take months to hear back on the status of my applications. Earnest had me approved, and rolled my loan over in about a week. They gave me multiple options to choose from regarding my interest rate and monthly payment, whereas my federal lender had raised my monthly payments by over $200 without any other options. I’m now paying LESS per month, with a LOWER average interest rate, AND will have my loans paid off SOONER than what I would have had even with the PSLF program I had originally applied for by my federal lender. Very pleased thus far with choosing Earnest!

    ...

  • author
    Rose
    Apr 14, 2022
    I recently refinanced my student loan…

    I recently refinanced my student loan to lower my payments and was given a great rate and a new monthly payment that will help me pay off my loan faster while saving money. I tried finding a new loaner to finance with but their rates were so much higher.

    ...

  • author
    Brittany
    Apr 14, 2022
    They just make the entire process soo…

    They just make the entire process soo easy and convenient! From start to finish in less than a week.... wish I would have refi'd with Earnest a long time ago!

    ...

  • author
    Michael Sitarski
    Apr 13, 2022
    Review of Earnest Loans

    It may just be a technical problem but I always have a problem when I try to add my cosigner. Either they don't get an email or they don't even see the application. Sometimes its on my end too. When I called customer support they were nice and helpful but it wasn't ideal talking to a robot at first.

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  • author
    John Roizin
    Apr 13, 2022
    Such an easy process

    Such an easy process

    ...

  • author
    Armando Sandoval
    Apr 13, 2022
    Pretty quick response and good interest

    Pretty quick response and good interest

    ...

  • author
    Rachel
    Apr 11, 2022
    Quick and easy application

    Quick and easy application but the interest rates weren’t too exciting.

    ...

  • author
    ALEXANDER RACKLIFFE
    Apr 10, 2022
    The Best Place to Refinance Student Loans!

    I was paying outrageous payments on my student loans through Sallie Mae, after getting a good streak of payments I applied for a loan through Earnest. In only 5 minutes I was approved at half the monthly cost and interest percentage! I'm glad I went through Earnest!

    ...

  • author
    Derek Carter
    Apr 09, 2022
    Quick and easy application process

    Quick and easy application process, within 15/20 minutes was approved at a much better rate than I could have even gotten an unsecured personal loan for. Definitely recommend.

    ...

  • author
    Kathryn Mccurley
    Apr 09, 2022
    Very easy process

    Very easy process. Very helpful people.

    ...

  • author
    Kelsey Wilson
    Apr 09, 2022
    The application process was quick and…

    The application process was quick and simple, and I received a response promptly. Earnest made refinancing so easy.

    ...

  • author
    Alto Teague
    Apr 09, 2022
    Quick and easy

    Quick and easy

    ...

  • author
    JGK
    Apr 08, 2022
    Simple

    Simple. Straightforward. Transparent. Would recommend.

    ...

  • author
    Michael Piacentino
    Apr 07, 2022
    Smooth Interaction

    Easy to use user interface. Smooth interaction with tools.

    ...

  • author
    customer
    Apr 07, 2022
    Feedback on Earnest

    Process for loan application and interest rates is good. Getting back into your account and being able to set up payments is not so straightforward, and if you want to pay more than the minimum amount as a regular payment requires you talking to someone in customer service. The customer service agents are helpful, but would be so much better to be able to set this up via self-service.

    ...

  • author
    Nancy L
    Apr 07, 2022
    Great easy straight forward switched…

    Great easy straight forward switched all my student loans from sofi and nelnet and got better rate!

    ...

  • author
    customer
    Apr 07, 2022
    Good experience

    Very smooth process ,easy to understand and quick results. I was very stressed out as there are so many options for student loans, but my friend recommended Earnest and I found they presented the lowest rate as well.

    ...

  • author
    Dora Mcbride
    Apr 07, 2022
    Very good experience dealing with…

    Very good experience dealing with Earnest-no problems whatsoever!

    ...

  • author
    Raymond Gonzales
    Apr 06, 2022
    Exceptional customer service

    Exceptional customer service. This type of service was refreshing and well received. Each time I called an Ernest representative to inquire about the process, status, or options in refinancing my student loan they were informative, helpful, and extremely patient. This allowed for a level of approachability and candid discussions to transpire having the confidence and comfort that they had my best interests in mind. As such, I have just completed the entire refinance process and couldn't be happier to have chosen Earnest. I plan on leveraging them for my future financial endeavors and refer them to my family and friends. A+ scores!!!

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  • author
    Bailey Wheeler
    Apr 06, 2022
    So far very happy

    I've only just started working with Earnest to refinance my student loans but so far my experience has been great. I talked to an extremely pleasant person on the phone and asked some questions - they were able to direct me on how to get my payoff balances, informed me of the autopay discount and how that isn't included in the rate on the final screen and why (I was wondering so that was helpful to know) and generally just made my personal experience with Earnest that much more human by cracking small jokes and laughing with me. Everything has been easy to use (especially compared to SoFi) and very direct so there's been little confusion. The only thing that has left me unsure is that the person on the phone said there would be an option on the final agreement page that indicated I'd like to use the autopay discount which I didn't see. My payoffs were just sent today so I'll be patient until I can see the updated dashboard. Overall, customer service has been great, the website is easy to use, and I'm happy with my interest rate.

    ...

  • author
    Collin Sokolowski
    Apr 05, 2022
    Great experience...Thanks!!!!

    The experience was great, took no time and very straight forward.

    ...

  • author
    Nora
    Apr 04, 2022
    Fast and friendly

    All questions were answered in a timely fashion and with wonderful politeness. My application went through much faster than I expected and they have kept me updated every step of the way.

    ...

  • author
    john russell
    Apr 04, 2022
    All I spoke to were very professional

    All I spoke to were very professional, prompt and able to answer all my questions. Smooth process so far !

    ...

  • author
    Kameron
    Apr 04, 2022
    Very easy application process

    Very easy application process. Clean website layout. Easy to use and navigate. Fair rates offered with flexible options for repayment. Would like an app with similar user interface.

    ...

  • author
    Vivian A
    Apr 04, 2022
    Student Loan Refi

    The whole process of applying for student loan refinancing was easy and seamless from start to finish! I got a great rate and the process was quick! Would recommend Earnest to any student drowning in debt.

    ...

  • author
    Robert Crawford
    Apr 03, 2022
    GOOD

    GOOD COMPANY

    ...

  • author
    Lisa M
    Apr 02, 2022
    The process to refinance my school loan…

    The process to refinance my school loan was seamless and easy. Email instructions were very clear and easy to follow.

    ...

  • author
    Kelsey Teeter
    Apr 02, 2022
    Trying to find a student loan…

    Trying to find a student loan refinancing company is stressful but Earnest has helped me in every way possible. The customer service agents are very nice and helpful. All around a great experience. 10/10 would recommend !

    ...

  • author
    Maura Hunter
    Apr 02, 2022
    Earnest's personnel are top notch.

    It was such a pleasure to work with a human being throughout the process of switching my loan from Nelnet to Earnest. The representative was not only knowledgeable and intelligent, he was cordial and patient.

    ...

  • author
    Inho So
    Apr 01, 2022
    I went to few other student loan sites…this is the best

    I went to few other student loan sites before I made the deal with Earnest. The interface was easy to navigate and processing time was very fast. I had to call in to fix something on my application and call was answered by friendly and knowledgeable staff. Thank you so much. This is great help to send my daughter to graduate school.

    ...

  • author
    James Little
    Apr 01, 2022
    No Complaints

    I was wanting to refinanced part of my student loans that were unsubsidized from my undergraduate degree to get a better interest rate and begin paying on them while finishing up my graduate degree. The process was easy and user friendly in the online format. I did not have to talk to anyone, it was all online. My loans transferred in a week or so and I have a much lower rate! The only thing that would have made the switch better is more specified information on the fact that you can pick which loans to transfer when you finish up the loan details.

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  • author
    Daniel Rubino
    Apr 01, 2022
    New customer

    New customer, easy applying for my new student loan. Approval in a few days, very happy.

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  • author
    Meredith Thomas
    Apr 01, 2022
    So easy to apply

    So easy to apply; communication was great!

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  • author
    Cristina Vila
    Apr 01, 2022
    Quick and easy

    Quick and easy, great rate and there was someone available to help along the way the entire time.

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  • author
    Donald Lobo
    Apr 02, 2022
    Bad experience as co-signer of a student loan

    I was the co-signer of a student loan. I did not want to upload my tax returns because of various reasons. I understand and am fine with earnest wanting that, but getting them to say that took me multiple attempts over multiple days and a bunch of no response even after telling me they'll get back to me in a day or two. I might have not read the details clearly, but I would have appreciated it if I had know that I needed to submit my past 2 year tax returns before starting the application. Now that I submitted it, due to state and federal laws (at least according to them), they cannot delete my information. Overall, just a crappy experience Update: They asked me to reach out in the comment below. I reached out (even though the matter is closed IMO), and sent them this link to the review and their request. Get a response saying they cannot click on links. I'm not wasting my time on this anymore.

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  • author
    william stevwing
    Apr 01, 2022
    Easy and quick process

    Easy and quick process Thank you

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  • author
    David Mushtare
    Mar 31, 2022
    As a co-signer for my granddaughter I…

    As a co-signer for my granddaughter I was pleased with the how convenient and easy the process was!

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  • author
    Pat E
    Mar 30, 2022
    Thank you for providing the means to…

    Thank you for providing the means to finish nursing school. I don’t know how it would have happened otherwise

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  • author
    P. Bosser
    Mar 30, 2022
    Add an App

    You really need an app where clients can manage their account and make payments.

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  • author
    Collin Fenton
    Mar 29, 2022
    Easy

    Easy, fast, friendly

    ...

  • author
    Mathew Gross
    Mar 29, 2022
    Best rates available

    Best rates available, and the smoothest application and signing process.

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  • author
    Kerry
    Mar 28, 2022
    It was so easy to refinance my student…

    It was so easy to refinance my student loan! Now I can see the end of the tunnel, unlike with a federal student loan, where the interest adds up daily, I know this loan will be paid off in less than 10 years!

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  • author
    William White
    Mar 27, 2022
    Easy to refinance my loans through…

    Easy to refinance my loans through Earnest. Great interest rate along with being able to make bi weekly payments can’t be beat.

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  • author
    Davis Kimball
    Mar 27, 2022
    Great Service

    Great website, simple to navigate and tells you everything you need to know in great detail. Explains the process and let's you know your options easily with its graphics and simple explanations. They gave me a great rate better than any I had before with my state loans.

    ...

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