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Will I ever be required to pay in bitcoin, gift cards, PayPal, or a credit card?

Note: personal loans originated by Earnest may be serviced by either Earnest or SST. These instructions apply to all Earnest Student Loans, and to Personal Loans serviced by Earnest only. For a Personal Loan serviced by SST, please contact SST following the instructions here. If you're not sure which company services your loan, click here.

We typically accept loan payments through approved electronic fund transfers from your connected institution that you select from your online profile as your Earnest payment account (or personal check for home loans). Although other forms of payment may be accepted on occasion, at no time will Earnest require any borrower or loan applicant to submit payment by gift card or cash card of any type, credit card, PayPal®, money order or cryptocurrency (such as Bitcoin). Contact our Client Happiness team at or 1-888-601-2801 with any questions about your payments to Earnest.

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