All Earnest applications are reviewed based on the applicant's individual financial profile. This includes (but is not limited to) a person's individual income, their own credit profile, and their own debt levels.
We’re able to consider jointly held assets in the review of student loan refinancing applications. In order to be eligible, they must be based in the US with a balance in USD and show the name of the applicant on the asset statement as a joint owner. It’s important to note that being the beneficiary of an account is not the same as joint ownership. For more information on the types of assets we can consider, feel free to check out this article here.