Earnest Student Loans Reviews

4.9 out of 5 stars
39 Reviews

From Product Users in the last year


Application Process

4.5 out of 5 stars

Customer Service

4.5 out of 5 stars

5 5

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

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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Dec 14, 2016
Excellent Student Loan Refinancing
Anonymous Product User

The application process was super easy and was very intuitive - no need to even call customer service, but it's great too! The scale tool is very helpful in seeing how varying monthly payment amounts affect interest, total paid, and term length. The whole process was painless and fast - I was pre-approved in minutes and was able to sign my documents all online with no fuss. Just waiting for finalization from my original lender and everything will be good to go.

If you're debating it, just apply with Earnest. They're great!

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