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The first step to less student debt:
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Four reasons why people choose Earnest

Lower rates through better data

We use data other lenders don’t—like your savings patterns, investments, and career trajectory—to give you the rate you deserve.

Expert in-house service

Our industry-best Client Happiness team is available via call, text or email.

More savings through custom terms

Use our Precision Pricing™ tool to save extra cash. Pick the right payment, rate, and term for your budget.

Quick and seamless experience

Apply online, then manage your account payment preferences with our intuitive dashboard.