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I am getting calls about my loan being past due. What are my payment options?

If you have missed a payment on your loan, but you’re able to make a payment today, you can submit one online. Sign in here, then go to My Loans > Loan Details > Make A Payment. 

Should you be unable to make your upcoming payment(s), or you’re experiencing financial hardship, there may be options available to help keep your loan on track. We have partnered with our parent company, Navient, to curate additional personalized repayment options. Our team may have already tried to contact you to discuss options and provide support. They are available Monday through Friday, 4 A.M. to 3 P.M. PST (8 AM to 7 PM EST.) at 855-203-4596.

Let us know as soon as you're experiencing difficulties so we can best support you. You can also rest assured that our representatives will never release account information without verifying your identity first. Depending on your unique circumstance, here are some of the repayment options you may qualify for:

Rate Reduction Program

The Rate Reduction Program is an alternative payment program for Earnest Student Loan Borrowers experiencing difficulty but who can afford to pay a reduced amount. The program provides a reduced interest rate for a 6-month period. As a result, the monthly payment amount is also temporarily reduced.

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 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 financial profile and becomes available at a high level of loan delinquency.


For additional questions or concerns, please reach out by clicking the “Get in Touch” button found at the bottom of this article.

 

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