Earnest Student Loan Refinance Review
Disclosure: We receive advertising revenue from this partner.
Founded in 2013, Earnest is a Fintech company that offers personal loans as well as the refinance and consolidation loans for students and parents. The company uses data technology to understand every applicant's unique financial background and offer the lowest possible rates. As of 2017, it operates as a subsidiary of Navient Corporation.
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Customer Comments & Reviews
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Absolute fraud in STERIOD, they want your bank account and the password, literally the password to withdraw, transfer money from your back account. I hope no one falls for these criminals. They should be in jail, period.
They require your DOB, SS #, Name and Address which I understand. What seems crazy is they want you to give away your bank account and the bank account password. Now this seems like asking a thief to hold your wallet full of cash for next 10 years or whatever the loan term is. Most crazy part is all is done on line. I have never seen this kind of craziness in my entire life. The whole process is a scam, Identity theft in STEROID. Someone should report to BB bureau immediately about this scam.
(Earnest - College Debt Consolidation) The application process is easy. Although mine took a bit longer than expected so make sure to call them to check on your application status if you suspect it is taking longer than usual (a couple days to a week to respond with approval/denial/requesting more information. Also, definitely use my referral code https://www.earnest.com/invite/esvin to get an easy $200 off when your loan is approved. Here is another link of Earnest's info: https://www.nerdwallet.com/blog/loans/student-loans/earnest-student-loan-refinance-flexibility/ - Thank you in advance -
Started the process to get a rate for my astronomically high 2 year loans from college, but appears they only deal with people who have a degree not people who have stopped because they had to pay for their loans. Unfortunately trapped by Sallie Mae. Students beware.
- Saves you $30,939 on average for student loan refinancing
- More rates to choose from = more flexibility
- Earnest has no fees of any kind
- Unemployment protection
- Pick your own monthly payment and Earnest matches you with an interest rate and term
- Get a quick rate estimate in 2 minutes
- Exceptional customer service for the life of the loan. Call, email or text them anytime
- Must have at least a 680 FICO Score and $40K income