help/
243 pages · Updated July 27, 2026
Pages
- Sloan Servicing: How to Find Your 10-Day Payoff Information – Help Center
- Microsoft Word - NWEB008 QC
- How Can I Get a Copy of My Loan Agreement? | Repaying Your Loans – Help Center
- Microsoft Word - NWEB012 QC
- What is Amortization? | Repaying Your Loan – Help Center
- MOHELA: How to Find Your 10-Day Payoff Information – Help Center
- Where Can I View My Payment History? | Repaying Your Loan – Help Center
- Nelnet: How to Find Your 10-Day Payoff Information – Help Center
- Why Does Earnest Ask for My Social Security Number (SSN)? | General Questions – Help Center
- Sallie Mae: How to Find Your 10-Day Payoff Information – Help Center
- What Does Earnest Do With My Information and What Is Your Security and Privacy Policy? | General Questions – Help Center
- Who is the Servicer for My Loan? | Repaying Your Loan – Help Center
- I’ve Encountered an Error on the Website. What Can I Do? | General Questions – Help Center
- University Accounting Services (UAS): How to Find Your 10-Day Payoff Information – Help Center
- Will I Ever be Required to Pay in Bitcoin, Gift Cards, PayPal, or a Credit Card? | General Questions – Help Center
- What Should I Do if I Can't Sign In? | General Questions – Help Center
- What is the NaviRefi and Earnest Relationship? | General Questions – Help Center
- FAQ: Student Loan Tax Forms (1098-E, 1099-MISC, & 1099-C) | Repaying Your Loan – Help Center
- When Will My First Payment be Due? | Repaying Your Loan – Help Center
- How Do I Make a Payment? | Repaying Your Loan – Help Center
- Are Parent Plus loans eligible for refinancing? – Help Center
- Why Is the Total Balance on My Loan Less Than the Total Sum of My Minimum Payments? | Repaying Your Loan – Help Center
- Can I refinance loans that have been consolidated or refinanced previously? – Help Center
- I Haven't Received a Statement From my Current Lender. How do I Complete My Payoff Details? | Student Loan Refinancing – Help Center
- Can I refinance someone else’s loans? – Help Center
- What Kind of Loans Does Earnest Offer? | General Questions – Help Center
- Can Earnest transfer a student loan from one person's name to another? | Student Loan Refinancing – Help Center
- How Can I Use the Earnest Mobile App to Manage My Loan(s)? | General Questions – Help Center
- I am in the middle of refinancing, and I have a payment due soon. Should I make it? – Help Center
- I have student loans from an associate degree, can I refinance with Earnest? | Student Loan Refinancing – Help Center
- Who Is Earnest? | General Questions – Help Center
- Can I Make a Payment Toward a Loan on Someone Else’s Behalf? | Repaying Your Loan – Help Center
- Account Information – Help Center
- How Do I Authorize or Revoke a Third Party on My Account? | General Questions – Help Center
- How Does Interest Accrue On My Coding Bootcamp Loan? | General Questions – Help Center
- I’m Having Trouble Accessing My Documents. What Should I Do? | General Questions – Help Center
- How Do I Locate and Download My 2025 Tax Document(s) (1098-E)? | Repaying Your Loan – Help Center
- Can I make a payment toward my Earnest loan using my credit card? – Help Center
- Will You Transfer My Student Loan to a Different Servicer? | General Questions – Help Center
- What is a Verification Code, and How Can I Find it? | General Questions – Help Center
- Loan Review – Help Center
- Account Security and Privacy – Help Center
- What is the Overpayment Billing Direction on My Student Loan? | Repaying Your Loan – Help Center
- How Does Earnest Apply Payments? | Repaying Your Loan – Help Center
- Why Was My Auto Pay Canceled? | Repaying Your Loan – Help Center
- How do I Unenroll From Auto Pay? | Repaying Your Loan – Help Center
- What Taxes Are Applicable to Me? | General Questions – Help Center
- I Have a Fixed Rate. Why Is My Minimum Payment Increasing on My Student Loan| Repaying Your Loan – Help Center
- How can I Find the Payoff Amount for My Earnest Loan? | Repaying Your Loan – Help Center
- Can I Use a Savings Account To Make Payments?| Repaying Your Loan – Help Center
- How Do I Cancel an Auto Payment? | Repaying Your Loan – Help Center
- How Do I Know If Earnest Is Legitimate? | General Questions – Help Center
- Managing Your Account – Help Center
- What Is Earnest's Credit Reporting Policy? | General Questions – Help Center
- How Do I Change My Address? | General Questions – Help Center
- 18565214966039
- I Am Receiving My Student Loan Statements by Mail, How Do I Go Paperless? | Repaying Your Loan – Help Center
- My Earnest loan was overpaid, how will that be refunded? | Student Loan Refinancing – Help Center
- How Do I Delete My Earnest Profile or Cancel My Application? | General Questions – Help Center
- How Do I Change my Email Address or Password? | General Questions – Help Center
- How Can I Submit a Complaint? | General Questions – Help Center
- Why Haven't my Previous Loans Been Paid off Yet? | Student Loan Refinancing – Help Center
- Making Payments – Help Center
- LendKey: How to Find Your 10-Day Payoff Information – Help Center
- What Happens After I Sign my Loan Agreement? | Student Loan Refinancing – Help Center
- EdFinancial Services: How to Find Your 10-Day Payoff Information – Help Center
- How do I Cancel an Extra or Manual Payment? | Repaying Your Loan – Help Center
- 10-Day Payoff – Help Center
- When will I get my signing bonus? | Student Loan Refinancing – Help Center
- How Do I Find My Individual Loan Numbers For My Current Loans? | Student Loan Refinancing – Help Center
- College Ave: How to Find Your 10-Day Payoff Information – Help Center
- Firstmark Services: How to Find Your 10-Day Payoff Information – Help Center
- American Education Services: How to Find Your 10-Day Payoff Information – Help Center
- Earnest: How to Find Your 10-Day Payoff Information – Help Center
- Can I pay by check, wire transfer, or my bank's online bill-pay? – Help Center
- Can I make a same day extra or manual payment? – Help Center
- What is the difference between my billing date and my payment date? – Help Center
- Is it possible to refinance both federal and private student loans? – Help Center
- My mathematical minimum payment amount should be less than $25. Why can't I change it to less than $25? – Help Center
- How Does Earnest Determine Loan Ownership? | Student Loan Refinancing – Help Center
- How long do I have to accept my loan offer? | Student Loan Refinancing – Help Center
- Is My School And/Or Program Eligible? | Applying for Loans – Help Center
- Can my spouse and I refinance and consolidate our loans together? | Student Loan Refinancing – Help Center
- How Can I Apply for Student Loan Forbearance? | Repaying Your Loan – Help Center
- Microsoft Word - NWEB010
- Why didn’t I see estimated rates after doing a rate check? | Student Loan Refinancing – Help Center
- Why Didn't I Get Approved for All Loan Terms? | Student Loan Refinancing – Help Center
- Can I change my refinance amount before accepting my loan? | Student Loan Refinancing – Help Center
- What if I only want some of my loans paid? – Help Center
- Why is my Interest Rate Different on the Loan Agreement? | General Questions – Help Center
- What is a Rate Check Estimate, and When Will I get an Exact Number? | Applying For Loans – Help Center
- What is Student Loan Certification? | Private Student Loans – Help Center
- What Protections Does Earnest Offer Me? | Repaying Your Loan – Help Center
- Do you refinance loans in default or that have been sent to a collection agency? | Student Loan Refinancing – Help Center
- Can I Refinance My Prodigy Finance Loan With Earnest? | Student Loan Refinancing – Help Center
- My Student Loans Are Held By an Institution Outside The U.S., Can I Refinance With You? | Student Loan Refinancing – Help Center
- Microsoft Word - NWEB011
- How Soon Can I Expect a Decision? | Applying For Loans – Help Center
- Can I break up my monthly payment into two or more smaller payments, like biweekly payments? | Student Loan Refinancing – Help Center
- What is Credit History? | Applying For Loans – Help Center
- Why is the Earnest Application Process so Comprehensive? | Applying For Loans – Help Center
- What Would Happen to My Loan if I Were to Pass Away or Become Disabled? | General Questions – Help Center
- My Application For an Earnest Loan Was Declined. What Are My Options? | General Questions – Help Center
- Why Do I Need To Connect My Bank Accounts? | Student Loan Refinancing – Help Center
- Do You Offer Cosigner Release? | General Questions – Help Center
- Does Earnest Match Rates on Refinance Offers From Competitors? | Student Loan Refinancing – Help Center
- I Am Getting Calls About My Loan Being Past Due. What Are My Payment Options? | Repaying Your Loan – Help Center
- What Makes Refinancing My Student Loans With Earnest Different From Other Refinancing or Consolidation Options? | Student Loan Refinancing – Help Center
- Making Payments – Help Center
- Eligibility – Help Center
- Will Earnest Match the Current Grace Period on My Student Loan? | Student Loan Refinancing – Help Center
- What is my citizenship/residency status? | Private Student Loans – Help Center
- What Are The Tradeoffs to Refinancing My Federal Loan With a Private Lender Like Earnest? | Student Loan Refinancing – Help Center
- How Do I Determine the Time Period I Need a Loan For? | Private Student Loans – Help Center
- Why is the interest rate I am being offered different from my original estimated rates? | Applying for Loans – Help Center
- How Do I Find My Cost of Attendance? | Private Student Loans – Help Center
- I'm Currently Enrolled in School, Can I Refinance? | Student Loan Refinancing – Help Center
- Parent Loans – Help Center
- What Is the Difference Between Student Loan Consolidation and Refinancing? | Student Loan Refinancing – Help Center
- Application – Help Center
- What Are My Repayment Options, and What if I Cannot Make a Payment? | Student Loan Refinancing – Help Center
- Why Isn't My School Listed As a Choice in the Loan Application? | Private Student Loans – Help Center
- When Should I Refinance My Student Loans? | Student Loan Refinancing – Help Center
- Can I refinance student loans for schooling I did not complete? | Student Loan Refinancing – Help Center
- Can graduate students apply for FAFSA®? | Private Student Loans – Help Center
- What Is the Minimum and Maximum Student Loan Balance Earnest Can Refinance? | Student Loan Refinancing – Help Center
- What Will Happen to My Cosigner or Co-borrower If I Refinance Through Earnest? | Student Loan Refinancing – Help Center
- Who Should Consider Refinancing With Earnest? | Student Loan Refinancing – Help Center
- Eligibility – Help Center
- Choosing Your Monthly Payment | Student Loan Refinancing – Help Center
- My Loan Servicer is SST, Powered by Alorica. How Do I Reach Them? | Personal Loans – Help Center
- Can Earnest Refinance Sallie Mae Loans? | Student Loan Refinancing – Help Center
- FAQ: Earnest Identity Verification | Applying for Loans – Help Center
- When Will My Payment Reflect in My Payment Account and Online Dashboard? | Repaying Your Loan – Help Center
- How Can I Edit My Requested Loan Amount? | Personal Loans – Help Center
- I Want To Make a Payment via Paper Check. Where Do I Send It and What Are the Processing Times? | Repaying Your Loans – Help Center
- You're requesting that I upload tax documents for my application. What should I provide? (tax form examples shown) | Applying For Loans – Help Center
- Sign up to Earnest
- Can I Apply With a Cosigner? | Applying For Loans – Help Center
- Where can I check the status of my application? | Applying For Loans – Help Center
- What is the Navient and Earnest Relationship? | General Questions – Help Center
- Who Is Plaid? | Applying For Loans – Help Center
- How Can I Provide Earnest With My Documents? | General Questions – Help Center
- What Should I do if My Credit Report is Frozen? | Applying For Loans – Help Center
- What If My Bank Account Won’t Connect, or I Prefer Not to Connect My Bank Account? | Student Loan Refinancing – Help Center
- Income and Assets – Help Center
- What Type of Income Do You Consider? | Applying For Loans – Help Center
- My Application Was Declined. Would Anything Change if I Asked For a Lower Amount? | Applying For Loans – Help Center
- How Does Earnest Make Decisions? | Applying For Loans – Help Center
- Does Earnest consider household incomes when reviewing applications? | Applying For Loans – Help Center
- What If My Bonus Or Commission Fluctuates? | Applying For Loans – Help Center
- How will you consider my rent or mortgage payment? | Applying For Loans – Help Center
- Do I need a degree or diploma to apply? | Applying For Loans – Help Center
- Am I Able to use my Loan to Cover Past Due Balances? | Private Student Loans – Help Center
- Applying For Loans – Help Center
- Private Student Loans – Help Center
- How Does Applying for an Earnest Loan Affect my Credit? | Applying For Loans – Help Center
- Auto Pay – Help Center
- Paying your loan – Help Center
- I Don’t Have Any Savings. Will My Application be Declined? | Applying For Loans – Help Center
- Can I apply for a loan if I am a citizen of the United States but living outside of the country? | Applying For Loans – Help Center
- How Can I Apply For An Earnest Loan? | Applying For Loans – Help Center
- Questions about Earnest – Help Center
- Repaying Your Loan – Help Center
- How does Earnest offer such low rates? | Applying For Loans – Help Center
- Can I Defer My Loan Payments If I Go Back to School? | Repaying My Loans – Help Center
- General Questions – Help Center
- Student Loan Refinancing – Help Center
- What can the loan help me pay for? | Private Student Loans – Help Center
- What Is the MOHELA and Earnest Relationship? | General Questions – Help Center
- What is My School Enrollment Status? | Private Student Loans – Help Center
- What is Biweekly Auto Pay? | Repaying Your Loan – Help Center
- Reset your password for Earnest
- Getting Started – Help Center
- How Does Earnest Calculate Interest? | General Questions – Help Center
- Eligibility and Applying – Help Center
- How Do I Dispute Information on My Credit Report? | General Questions – Help Center
- General Questions – Help Center
- Payment Assistance – Help Center
- Does Earnest Match Rates on Student Loan Offers From Competitors? | Private Student Loans – Help Center
- Am I Able to Edit My Application After It Has Been Submitted? | Private Student Loans – Help Center
- Who Is Our Bank Partner? | Private Student Loans – Help Center
- Why is the Interest Rate Different from the APR? | Private Student Loans – Help Center
- Application and Rate Check – Help Center
- Application – Help Center
- Will Earnest Loans Qualify for Federal Loan Forgiveness? | General Questions – Help Center
- What Does It Mean When My School Returns Loan Funds? | Private Student Loans – Help Center
- Why Is My Disbursement Date Scheduled for a Day in the Past? | Private Student Loans – Help Center
- What is Interest Capitalization? | Private Student Loans – Help Center
- Can I Apply Over the Phone? | Applying For Loans – Help Center
- What financial aid options are available to me? | Private Student Loans – Help Center
- How Can I Reapply? | Private Student Loans – Help Center
- Why was I certified for less than I need? | Private Student Loans – Help Center
- Can I Pay More Than the Minimum Required For My Loan? | Repaying Your Loan – Help Center
- General Questions – Help Center
- Who is responsible for paying back a Parent Loan? | Private Student Loans – Help Center
- Do I Have To Make Payments on My Loan While The Student Is in School? | Private Student Loans – Help Center
- What Information is Considered on My Experian Credit Report? | Applying For Loans – Help Center
- How Do I Enroll in Auto Pay for the Discounted Rate? | Repaying Your Loans – Help Center
- Can I transfer a Parent Loan to my child once they graduate? | Private Student Loans – Help Center
- How long do I have to accept my loan offer? | Private Student Loans – Help Center
- What is the age of majority? | Private Student Loans – Help Center
- What States Does Earnest Currently Offer Loans In? | General Questions – Help Center
- Will my loan be forgiven if my student doesn’t finish their degree? | Private Student Loans – Help Center
- How Can I Temporarily Lower My Student Loan Payments (Interest-Only Payments) | Repaying Your Loan – Help Center
- When should I apply for graduate student loans? | Private Student Loans – Help Center
- How quickly can I get my student loan? | Private Student Loans – Help Center
- Will Earnest Adjust Rates with Federal Rate Changes? | General Questions – Help Center
- I am an International Student. Am I Eligible for an Earnest Loan? | Private Student Loans – Help Center
- General Questions – Help Center
- Is the Student on My Parent Loan? | Private Student Loans – Help Center
- Personal Loans – Help Center
- My Resident Status is DACA or Asylee. Can I apply for an Earnest loan? | Private Student Loans – Help Center
- What Are The Minimum and Maximum Loan Amounts I Can Take? | Private Student Loans – Help Center
- How much can graduate students borrow in federal loans? | Private Student Loans – Help Center
- How do I decide between a fixed or variable interest rate loan? | Applying For Loans – Help Center
- How Can I Contact Earnest? | General Questions – Help Center
- Cosigning – Help Center
- Can I Check My Eligibility Before Applying? | Applying For Loans – Help Center
- My Earnest Loan Status is "Payoff Pending." What does that Mean? | Student Loan Refinancing – Help Center
- What is Compound Interest? | General Questions – Help Center
- FAQ: Earnest Student Loan Refinancing Referral Program | Student Loan Refinancing – Help Center
- What Protections Do You Offer Military Service Members? | General Questions – Help Center
- Can I Refinance My Current Earnest Student Loan Refinance Again? | Student Loan Refinancing – Help Center
- How Do I Change My Payment Account? | Repaying Your Loan – Help Center
- What kind of assets does Earnest consider in my application? | Applying For Loans – Help Center
- If I give you my social security number, will you give me a loan offer? | Applying For Loans – Help Center
- How Do I Make a Principal-Only Payment? | Repaying Your Loan – Help Center
- Applying For Loans – Help Center
- What if I Am Unable To Make a Payment? | Private Student Loans – Help Center
- What payment options are available to me? | Private Student Loans – Help Center
- Do I Need a Cosigner on My Student Loan Application? | Private Student Loans – Help Center
- What Makes For a Successful Application? | Applying For Loans – Help Center
- Private Student Loans – Help Center
- Submit a request – Help Center
- How Can I Make Payments as a Cosigner? | Private Student Loans – Help Center
- Help Center
- What Do I Need to Know About Cosigning on an Earnest Loan? | Applying For Loans – Help Center
- What Does It Mean To Be Enrolled in Auto Pay? | Repaying Your Loan – Help Center
- How Do I Change My Monthly Payment Due Date? | Repaying Your Loan – Help Center
- What is the Secured Overnight Offered Rate (SOFR)? | General Questions – Help Center
- Does Earnest Charge Any Early Payoff Penalties, Taxes, or Fees? | General Questions – Help Center
- How Do I Skip a Payment and When Am I Eligible To Do So? | Repaying Your Loan – Help Center