If you were unable to find your answer within our Help Center, please reach out to your dedicated servicer for further support.
For Earnest Student Loan Refinancing and Private Student Loan clients: Our dedicated Client Happiness team is available during business hours and can be reached by email, phone, chat, or standard U.S. mail.
- Email: hello@earnest.com
- Phone: (888) 601-2801, Monday through Friday, 6 a.m. to 5 p.m. PT, excluding holidays.
- Chat: Our virtual assistant is available 24/7 by clicking the chat icon in the bottom right corner and can assist you with a variety of general and account questions. If it is unable to assist, our team is happy to chat with you during our regular office hours.
- Written correspondence: PO Box 9250, Wilkes-Barre, PA 18773-9250. Please do not send payments to this address. For our payment address, click here.
For Earnest Personal Loan clients: Our dedicated Client Happiness team is available during business hours and can be reached by email, phone, chat, or standard U.S. mail.
- Email: hello@earnest.com
- Phone: (888) 744-0767, Monday through Friday, 6 a.m. to 4 p.m. PT, excluding holidays.
- Written correspondence: Earnest, P.O. Box 8005, Fishers, IN 46038.
For NaviRefi clients: If you have an existing NaviRefi loan in repayment, you can email hello@earnest.com or call (888) 601-2801. The team is available Monday through Friday, 6 a.m. to 5 p.m. PT, excluding holidays.
Student Loan Military Service Members: If you are a Military Service Member and have an Earnest Private Student Loan, you can reach our dedicated team by emailing militarybenefits@earnest.com or by calling (855) 284-4879 Monday from 5 a.m. to 6 p.m., Tuesday through Wednesday from 5 a.m. to 5 p.m., and Thursday through Friday from 5 a.m. to 3 p.m. PT. If you are currently abroad, please use our international number at +1 (888) 272-5543. For more information regarding Military Service Members, please see this article here.
Personal Loans Military Service Members If you are a Military Service Member and have an Earnest Personal Loan, you can reach our dedicated team by emailing militarybenefits@earnest.com or by calling (888) 744-0767, Monday-Friday, 6 a.m. - 4 p.m. PT, excluding holidays.
Personal Loans Through SST: If you have an Earnest personal loan originated before April 2020, your loan will be serviced by our trusted partner, Systems & Services Technologies (SST), Powered by Alorica. You can contact their support team at (866) 798-9888, Monday through Friday, 5 a.m. to 8 p.m. PT, and Saturdays, 6 a.m. to 10 a.m. PT.
Resources are available to assist clients who have tried unsuccessfully to resolve a problem through their servicer. Please refer to your state’s relevant authority.