Great service, got all my questions answered via txt. Their representative was VERY patient as I am very suspicious of banks and loan companies especially when they request the info that Earnest does. They ask for sensitive info but it's in order to get a more holistic financial view. They don't base your approval on dept to income ratio and credit score alone. (tip: don't forget to list your 401k if you have one) They let you pick how much you can pay a month which is a major plus. You can pay extra if you wish, or you can split your payment between two paychecks. I can only describe their relationship with the borrower as "healthy", they get paid but they also help you out they release a newsletter that gives you tips on retirement, financial health, and how to pay your loans off faster. I will note I make $15.00/hr and my credit score is 740.
An added bonus is if you get someone else to sign up they give you both $200.