Other Questions? We're here to help.

Chat With Us

Our virtual assistant, Atlas, is available 24/7 by clicking the chat icon in the bottom right corner and can assist you with a variety of general and account questions.

If it is unable to assist, Atlas can request a follow-up for you from our team outside of our business hours.

If you’d prefer to connect with human support, our team is happy to chat with you during our office hours: Monday-Friday, 6 a.m. to 5 p.m. PT, excluding holidays.

Submit a request

If applicable, please provide the email associated with your Earnest account.

Your email address

Which product do you need assistance with?-

Please select the topic of your request-

What has caused you to experience financial hardship?

How many months do you expect to be impacted by this hardship?

How much could you afford to pay monthly if you had to set up a recurring payment during the hardship?

We may be able to temporarily pause your payments, or temporarily lower your payment amount.

How can we help?

If you choose to communicate with us via email, please understand that you assume all responsibility for the protection of personal information while in transit to us and should consider appropriate email security measures. These security measures should include the use of encryption, such as password protection. Additionally, be sure to contact us at the correct email address provided.

Call Us

Earnest Refinance and Private Student Loans

Phone hours, excluding holidays, are: Monday-Friday, 6 a.m.-5 p.m. PT

(888) 601-2801

NaviRefi Refinance Loans

Phone hours, excluding holidays, are: Monday-Friday, 6 a.m.-5 p.m. PT

(844) 381-6621

Earnest Personal Loans

Phone hours, excluding holidays, are: Monday-Friday, 6 a.m.-4 p.m. PT

(888) 744-0767

Earnest Personal Loans currently Serviced by SST

Phone hours, excluding holidays, are: Monday-Friday, 5 a.m.-8 p.m. PT Saturday, 6 a.m.-10 a.m. PT

(866) 798-9888

Military Service Members

Email: militarybenefits@earnest.com

Phone hours, excluding holidays, are: Monday-Friday, 6 a.m.-5 p.m. PT

Within the US: (855) 926-2797

International or abroad: +1 855-926-2804

If you'd like to chat, I can help!

Contact us!

We're not around, but we'd love to chat another time. Feel free to email hello@meetearnest.com if you need help now!