If you have an active Earnest Private Student Loan, serviced by MOHELA, please visit MOHELA for information and to manage your loan.
All checks should be made payable to Earnest Operations, LLC. Mailed payments are processed on business days only and can take an additional two to five business days to be applied to your account once received. Please note, if you are sending your payment by mail, the payment will be applied to your loan effective from the date the payment is received. We process paper checks at the following addresses:
Earnest Student Loan Refinance and NaviRefi
Primary Borrowers
PO Box 9115
Wilkes Barre, PA 18773-9115
Cosigners
PO Box 9160
Wilkes Barre, PA 18773-9160
Earnest Personal Loans
PO Box 8005
Fishers, IN 46038
A check mailed to our headquarters in Oakland will require additional processing time, as the check will need to be re-routed to an address above. Finally, please make sure that your check contains your full name, loan number, and account number. These numbers can be found on any loan statement.