Earnest Student Loans Reviews

4.9 out of 5 stars
37 Reviews

From Product Users in the last year


Application Process

4.5 out of 5 stars

Customer Service

5 out of 5 stars

5 5

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

Aug 09, 2017
Student Loan Refinancing
Anonymous Product User

I was able to refinance my previously co-signed loans through Earnest without needing a cosigner. My interest rate was nearly cut in half from what it had been. It was a painless process, and it was very easy to apply. Nice to know that my good credit score and how I manage money was a big part how they decided on my interest rate. They gave me the best interest rate with the APR being 1-2% lower than every other place I applied (over 12 companies). Nice to choose my exact monthly payments and interest rates. Application process was a breeze. They needed the least amount of documentation between all of the other places I applied. Would highly recommended.

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Aug 09, 2017
Good process, great rates!
Anonymous Product User

Used Earnest to refinance $95k in federal loans from law school. Was able to cut my APR from 7.5% to just above 5. They use a great web platform to make the application easier and faster than a traditional bank. Checked around before completing my application and saw some complain about time to disburse payoff amounts. I can only say that my payoff amount was received in 7 days. I'd recommend Earnest to anyone looking to take advantage of lower rates, especially if they had the misfortune of taking out student loans when rates were far higher. 

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Aug 07, 2017
Easy process and flexible terms
bacillusx Product User

This was by far the easiest process I went through for refinancing my student loans, and I'm quite happy with the results and the flexibility of  the repayment options and available terms.

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Aug 07, 2017
Student loan refi
Anonymous Product User

Exceeded my expectations on all levels.  Really easy application process, able to process everything quickly, and customer service is always extremely helpful when I call.  Plus they offered the best rates and extra options/flexibiltiy to save even more money on my student loans.  Would highly recommend.  

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Aug 05, 2017
Very efficient
Anonymous Product User

I was worried at first about everything being completely online, but the team at Earnest put my mind at ease. This was a great decision! 

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Jul 21, 2017
Fast, easy funding on a re-finance!
Anonymous Product User

Re-financed a portion of a huge federally funded loan that I re-fi'd. Had a small balance left over at a VERY high federal rate. Earnest approved me for less than half!! Huge savings.  Loan funded quickly. Website interface is user friendly. 

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Jan 24, 2017
Anonymous Product User

First off, it took 1.5 months to fund my loan due to their finance department being backed up. Secondly, this company does not have the "capabilites" to apply additional payments to the principal portion. Some servicers make you allocate but this servicer doesn't even allow you to. I have found no help from customer service. 

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Jan 18, 2017
Great customer service and great rates
VeronicaBu Product User

Saved myself some cash as well as there aren't any fees for additional payments.

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Dec 21, 2016
Exactly What I Was Looking For
Anonymous Product User

Earnest has exceeded my expectations in every way. Not only did they offer me the lowest rate for refinancing my student loans, but the customer service blew me away. Beyond that, they are very flexible and accomodating with the loan repayment terms. Everything about the whole refinancing process thus far has been suprisingly painless. I would absolutely recommend Earnest to anyone else who is looking to refinance student loans and save serious money (I'm going to save at least $13,000!).

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