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      • Student Loan Refinancing
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        • Loan Application Tips
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    Earnest Loans are made by Earnest Operations LLC or One American Bank, Member FDIC.
    Earnest Operations LLC
    NMLS #1204917
    nmlsconsumeraccess.org
    List of licensed states
    535 Mission St., Suite 1663
    San Francisco, CA 94105
    One American Bank, Member FDIC 515 S. Minnesota Ave
    Sioux Falls, SD 57104
    Earnest loans are serviced by Earnest Operations LLC
    (NMLS #1204917) with support
    from Navient Solutions, LLC
    (NMLS #212430).

    One American Bank and Earnest LLC and its subsidiaries are not
    sponsored by or agencies of
    the United States of America.

    For California residents (Student Loan Refinance Only):
    Loans will be arranged or made pursuant to a California Financing Law License.

    Contact Us: 888-601-2801 Contact Us: 888-601-2801
    © 2022 Earnest LLC. All rights reserved.
    Norton Secured BBB Accredited Business

    Disclaimers

    Auto Pay Discount

    You can take advantage of the Auto Pay interest rate reduction by setting up and maintaining active and automatic ACH withdrawal of your loan payment. The interest rate reduction for Auto Pay will be available only while your loan is enrolled in Auto Pay. Interest rate incentives for utilizing Auto Pay may not be combined with certain private student loan repayment programs that also offer an interest rate reduction. For multi-party loans, only one party may enroll in Auto Pay.

    Grace Period

    Nine-month grace period is not available for borrowers who choose our Principal and Interest Repayment plan while in school.

    No Fees

    Earnest does not charge fees for origination, late payments, or prepayments. Florida Stamp Tax: For Florida
    residents, Florida documentary stamp tax is required by law, calculated as $0.35 for each $100 (or portion thereof) of the principal loan amount, the amount of which is provided in the Final Disclosure. Lender will add the stamp tax to the principal loan amount. The full amount will be paid directly to the Florida Department of Revenue. Certificate of Registration No. 78-8016373916-1.

    Skip A Payment

    Earnest clients may skip one payment every 12 months. Your first request to skip a payment can be made once you’ve made at least 6 months of consecutive on-time payments, and your loan is in good standing. The interest accrued during the skipped month will result in an increase in your remaining minimum payment. The final payoff date on your loan will be extended by the length of the skipped payment periods. Please be aware that a skipped payment does count toward the forbearance limits. Please note that skipping a payment is not guaranteed and is at Earnest’s discretion. Your monthly payment and total loan cost may increase as a result of postponing your payment and extending your term.

    Disclaimers

    Auto Pay Discount

    You can take advantage of the Auto Pay interest rate reduction by setting up and maintaining active and automatic ACH withdrawal of your loan payment. The interest rate reduction for Auto Pay will be available only while your loan is enrolled in Auto Pay. Interest rate incentives for utilizing Auto Pay may not be combined with certain private student loan repayment programs that also offer an interest rate reduction. For multi-party loans, only one party may enroll in Auto Pay.

    Grace Period

    Nine-month grace period is not available for borrowers who choose our Principal and Interest Repayment plan while in school.

    No Fees

    Earnest does not charge fees for origination, late payments, or prepayments. Florida Stamp Tax: For Florida
    residents, Florida documentary stamp tax is required by law, calculated as $0.35 for each $100 (or portion thereof) of the principal loan amount, the amount of which is provided in the Final Disclosure. Lender will add the stamp tax to the principal loan amount. The full amount will be paid directly to the Florida Department of Revenue. Certificate of Registration No. 78-8016373916-1.

    Skip A Payment

    Earnest clients may skip one payment every 12 months. Your first request to skip a payment can be made once you’ve made at least 6 months of consecutive on-time payments, and your loan is in good standing. The interest accrued during the skipped month will result in an increase in your remaining minimum payment. The final payoff date on your loan will be extended by the length of the skipped payment periods. Please be aware that a skipped payment does count toward the forbearance limits. Please note that skipping a payment is not guaranteed and is at Earnest’s discretion. Your monthly payment and total loan cost may increase as a result of postponing your payment and extending your term.

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