Earnest Student Loans Reviews

4.8 out of 5 stars
18 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.

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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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 14, 2018
Wpamela461 Product User

Everything was good, except supplying the requested information. I’m old school and like using the mail or fax machine and you couldn’t. If you’re not computer literate, your in trouble. They did try to help me through it and we got it done.

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Sep 14, 2018
TotalhappyOne Product User

No run around like you have with SoFi and Credible but the worst was Citizens where they say you get a sign on $500 bonus and never get it. I've never been happier then I've ever been then I am with Earnest. Honest, straight forward and easy. Guarantee 100% I'll use them again.

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Aug 27, 2018
Student Loan Refinance
Dwt6d5 Product User

Fast, friendly and great customer service. Plus, competitive rates and many options to choose from.

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Aug 20, 2018
Nevets2584 Product User

Quick and friendly response during the application process from customer service which included an email correspondence and texting from a mobile phone. Rates are comparable to other student loan refinance services such as SoFi but can be lower since they consider other aspects such as money saved in retirement and other accounts. Fine print made sure to point out benefits you would be giving up for refinancing Federal Loans. Overall, the application process was transparent and hassle free.

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Aug 16, 2018
Student Loan Refianace
Mathios Product User

Best customer service. Fast and very informative.

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Aug 09, 2018
Student Loan Refinance/Consolidation
crod2387 Product User

I recently applied for a loan to consolidate and refinance my student loans, and the entire process was incredible. The main thing I'd like to point out is the application process. I really like how there is a part in the application where you can explain your situation and have the creditors understand more why you may have certain credit score or explain how you are able to manage your finances better than in the past; I believe being able to explain my situation is what really helped me get approved without a co-signer. The response time is also fantastic; I was approved in a week and my loans from my previous creditor were paid off quick as well. I would I HIGHLY recommend Earnest for anyone trying to consolidate their loans.

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Jul 22, 2018
Weight off my shoulders...
MzLady2Luv Product User

I had a private student loan and the payment was going up. The interest rate was super high. They not only approved me but got the payment to my old lender fast. I can now move on with my life with a lower payment and interest rate. It was all done online!

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Jul 22, 2018
Great options, easy to apply!
DrDaman01 Product User

Earnest was the only company that allowed me to explain my financial situation and credit score before making a decision.  The application process was easy.  I got approved quickly and they paid off my other loans faster than I thought they would.  They have great rates and multiple different options available.  I highly recommend them to anyone!

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Jul 16, 2018
Easiest student loan consolidation ever!
Jazalle Product User

This was the easiest student loan consolidation I have ever applied for and gone through with. I had three student loans with different companies and wanted to consolidate for several reasons, one being variable interest rates. I applied online, the loan was approved the next day, and within a week all three companies had been paid off. They were able to customize an interest rate and payment that worked perfectly for me and was affordable. My loans will now be paid off sooner for the same payment I was already making before! I highly recommend this awesome, super efficient company!

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Jun 16, 2018
Great, Fast and Convenient
ELBM2006 Product User

I am recently was able to refinance my student loans through earnest. I was approved quickly and was easily able to provide all the documents necessary to complete my application process. When I called I didn’t have a long hold time for an associate and they were pleasant and polite! I would recommend all my family and friends to refinance their student loans and any of their other products and services!

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Jun 04, 2018
You are more than a credit score
yongskwon Product User

I have been shopping around to refinance my Student Loans. At Earnest, they looked at my bank history and my credit and made the decision. Also, they gave me the best rates across the market. They will attempt to understand the full financial status, unlike other places that just look at your credit score and history.

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Jun 04, 2018
Simple and fast to apply. Great rates.
Anonymous Product User

They offer the best rates I’ve seen and have great customer service  if you have any questions. 

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May 29, 2018
easy and no hidden small print
rjericksonaz Product User

Very basic application, like that they do auto debit, and allow you to pick the term and corresponding rate once approved.

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