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What states does Earnest currently offer loans in? | General

We currently offer our private student loans in Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, New Hampshire, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, Washington D.C., West Virginia, Wisconsin, and Wyoming. Primary applicants and their cosigners (if applicable) must both reside in states we lend in. 

We currently offer our student loan refinancing in Alabama, Alaska*, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Florida, Georgia, Hawaii, Idaho, Illinois*, Indiana, Iowa, Kansas, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota*, Mississippi, Missouri, Montana, Nebraska, New Hampshire*, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio*, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee*, Texas*, Utah, Vermont, Virginia, Washington, Washington D.C., West Virginia, Wisconsin, and Wyoming. Currently, we do not offer the ability to add cosigners to our student loan refinancing.

At this time, we do not offer loans in any US territory, including Puerto Rico. 

*Within the United States, regulations on fixed and variable interest rates are governed at the state level. In some states, the regulations on variable rates are not aligned with our current rate ranges. As a result, we do not offer variable rates in these markets.

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