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One Woman’s Mission to Save Friends from Student Debt

Conquer your student debt. Refinance now.

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While our $200 referral bonus is good motivation to spread the word about Earnest, some clients find fulfillment in a deeper purpose.

Meet Samantha Rosenbaum—repeat referral bonus collector and financial hero to her friends.

super sam

Several years ago Samantha got frustrated that she was wasting hours on the phone with her loan servicer trying to get extra payments applied. She refinanced with Earnest and was relieved to find a repayment process designed to get her out of debt faster, not keep her on an interest treadmill.


Pretty quickly, Samantha realized her housemates and friends were equally frustrated—many had no idea what their interest rate even was, and were simply paying the minimum monthly payment (a recipe for debt that never goes away).

She found that people were scared to even look at their loan balance, to see a number that’s “more money than I’ve ever seen in my bank account, and now I owe it,” in Samantha’s words.


Never one to shy away from a challenge, Samantha printed the number, put it up on her mirror, and plotted a way to pay it off as fast as possible. And when it came to referring friends, she didn’t just post a link—she shared her personal story on Facebook, and answered the questions that popped up in the comments.


Fast forward two years, and Samantha funnels her franklins into a bank account earmarked for future entrepreneurial ventures.

Inspired to up your own referral game? Here are Samantha’s top tips:

  1. Make it personal when posting—share your student loan story and offer to help people
  2. Don’t assume everyone knows as much as you do—or even what refinancing is
  3. If you’ve had good experiences with Earnest Client Happiness, mention it—people like to know they will be well taken care of!

Conquer your student debt. Refinance now.

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Disclaimer: This blog post provides personal finance educational information, and it is not intended to provide legal, financial, or tax advice.