As of October 26, 2026, active Earnest Private Student Loans are serviced by MOHELA. Please visit MOHELA for more information and to manage your loan.
Earnest and Navient are affiliated companies that work together to provide clients with a best-in-class experience for managing their finances. Earnest was founded in 2013 and joined the Navient family in 2017. Earnest provides private student loans and personal loan products to consumers. Earnest also provides loan servicing for our Student Loan Refinance and Personal Loan products and collaborates with MOHELA, our servicing partner since October 21, 2024, for our Student Loan Refinance product, providing additional support, including outbound calls for past-due accounts and curating personalized repayment options for our student loan products.