# Frequently Asked Questions

## Will Earnest Adjust Rates with Federal Rate Changes?
We are always striving to remain highly competitive with our student loan refinance rates…

## What makes for a successful application?
Earnest offers loans to financially responsible people. While your credit history…

## Does Earnest charge any fees?
No. We do not charge origination, prepayment, early payment, or extra payment fees. Because we process all application and loan information online…

## How does Earnest offer such low rates?
Our data-intensive application and sophisticated underwriting software help us accurately analyze each applicant’s unique…

## How does applying for an Earnest loan affect my credit?
When you initially check your rate, we may perform what is known as a “soft inquiry”…

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