If you have missed a payment(s) on your loan, but you’re able to make a payment today, you can submit one online. To do so, please:
- Sign in to your Earnest account.
- Select your loan from the left-side menu.
- Navigate to "Make a Payment."
Have difficulties Making Payments?
Let us know as soon as you're experiencing financial hardship so we can best support you.
If you are unable to make your upcoming payment(s) or you’re experiencing financial hardship, take a look at this article for Earnest Private Student Loans, this article for Student Loan Refinance, or this article for Personal Loans to explore your options.
For Earnest Private Student Loans and Student Loan Refinance, we have also partnered with MOHELA to curate additional personalized repayment options and may have already tried to contact you to discuss options and provide support. MOHELA’s team is available Monday through Friday, 5 a.m. - 4 p.m. PT, at 855-203-4596.
Depending on your unique circumstances, below are some of the potential repayment options that MOHELA may offer for your Private Student Loan or Student Loan Refinance:
Rate Reduction Program
The Rate Reduction Program is an alternative payment program for clients experiencing financial hardship, but who can afford to pay a reduced amount. The program provides a reduced interest rate for a 6-month period, temporarily reducing the monthly payment amount.
By making reduced payments for a period of time, your total loan cost may be higher compared to a standard repayment schedule. That’s because, during the program, your principal balance may be paid down at a slower rate compared to a standard repayment schedule.
Eligibility for the program is dependent upon your (and any cosigner's) financial profile and becomes available at a high level of loan delinquency.
Term and Rate Modification Program
The Term and Rate Modification program combines an extended repayment term with the Rate Reduction Program. Eligibility for the program is dependent upon your (and any cosigner's) financial profile and becomes available at a high level of loan delinquency.
If you have additional questions or concerns, please click the “Get in Touch” button at the bottom of this article.