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Earnest is an online lender based in San Francisco. The company has been around since 2013 and offers personal loans and student loan and parent PLUS loan refinancing. More recently, it's branched out into private student loans. It was acquired by the student loan servicer, Navient, in October 2017.
- Variable APR starting at %{apr_variable}*
- Provides customized private loan options for students
- Enjoy no early prepayment penalties
- Skip a payment once per year (once repayment period restarted)**
Latest Earnest Student Loan Reviews
I applied through a mail advertisement which did after doing a soft check sent me to earnest. I did not notice that Navient is the parent company (my mistake). Navient is the company I am trying to get away from to get my cosigner off my original note from 10 years ago, which I have met all their state requirements. They offer no communication or help for self employed individuals. They expect self employed individuals to meet the W2 qualifications, which is difficult to do since taxes and money distribution are done differently.