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How can I refer my friends and family to receive a $200 bonus? | Student Loan Refinancing

When you share your personal referral link with your friends and family, you'll each get $200 when they refinance their student loans with Earnest (currently we're not offering referral bonuses on our personal loans or private student loans). 

You can share your personal referral link using the directions below:

  • Log into your Earnest account.
  • Click the " Screen_Shot_2019-05-28_at_4.49.08_PM.png " tab found at the top of your dashboard home page.
  • From the referral page, you'll be able to email your referral link, copy and share the link or post on Facebook.

Your referral will use your unique link to create an Earnest profile. Once they are approved and sign their loan agreement, both you and your referral will receive $200 into your linked bank accounts. Bonuses are generally paid out within 30 days of your referral signing their loan agreement.

Haven't received your referral bonus yet?

If it's been over 30 days since your referral signed their loan agreement, please have your referral contact our Client Happiness Team at They'll need to provide us the following:

  • The first and last name of who referred them
  • The email address associated with their friend's Earnest account
  • The unique referral link 
    • Example:'sfirstname.uniquenumber

Were you referred to Earnest by a website, blog or employer?  Check out this article.


Further information about our terms and conditions applicable to our referral program can be seen here.


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