Earnest is a technology-enabled fintech lender on a mission to make higher education accessible and affordable for everyone. Since its founding in 2013, Earnest has helped financially responsible borrowers refinance over $4 billion in student loans, establishing itself as the second-largest student loan refinancing company in the United States. The company combines cutting-edge technology, deep data analysis, and human-centered design to deliver financial products that truly serve their clients' needs.
What sets Earnest apart is its commitment to transparency and flexibility. The company offers private student loans with a unique 9-month grace period (compared to the industry standard of 6 months), no fees whatsoever, and the ability to skip one payment annually without penalties. Earnest's innovative platform features a two-minute eligibility check, seamless cosigner invitations, and fully customizable loan terms that put borrowers in control of their financial future. Headquartered in San Francisco and acquired by Navient in 2017, Earnest continues to modernize student lending through smarter lending products and exceptional client service.
