Earnest Student Loans Reviews

4.4 out of 5 stars
5 Reviews

From Product Users in the last year


Application Process

4.5 out of 5 stars

Customer Service

5 out of 5 stars

4.5 5

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These reviews were written by current and former product users in the last year.

Nov 19, 2018
Customer service is deteriorating
fostecl Product User

I've been a student loan refinance customer with Earnest for over 2 years, and the first year and a half was great, but I think their customer service and online experience has deteriorated since they were acquired by Navient. The loan process was easy, and during the first year I could easily resolve any issues with a customer service rep over the phone, email, or text message. That great service has changed dramatically over the last few months. Reaching them by phone is a waist of time: I've called on multiple occasions and waited on hold for twenty minutes only to be disconnected, and it's taken over a week to get any type of email response.

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Nov 01, 2018
mkl56 Product User

exceelent people, products and service...Top notch

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Nov 01, 2018
mkl56 Product User

excellent products and service...top scores!!!

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Aug 13, 2019


Sep 28, 2018
Extremely efficient and easy to apply
RWK548 Product User

I found myself applying for student loan refinancing through Earnest on a whim- I had been working with a different student loan company, which I originally chose because they had the lowest rates, but I had been getting the absolute run-around in the application process. After two weeks of being asked to submit the same documents multiple times, I decided in frustration to look elsewhere. I found a comparable rate on Earnest and- I kid you not- from the start of applying to being accepting and signing off on loan documents, it took me all of four hours to complete. And I did it all on my phone. Comparing the first loan company that couldn't seem to keep anything straight for 2 weeks, to Earnest who had me completely taken care of in four hours- I'm blown away. Very easy and straightforward process that was easy to navigate.  The only small frustration I have is that one of my previous loan providers didn't end up showing that they received the payoff check from Earnest for several weeks- when I investigated this, it turns out the payoff check was sent right away but didn't have my account number on it, so it sat in a pile without being processed for a long time. So my recommendation is that you follow up with previous loan servicers and make sure they have the check, with the account #, after Earnest's website indicates it's been sent. All in all, I was very impressed with Earnest and will recommend it wholeheartedly to others looking to refinance student loans.

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Sep 15, 2019

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