As of October 26, 2026, Earnest Private Student Loans are serviced by MOHELA. This is only a change in the servicer of your loan, and your interest rate and loan terms remain the same. If you have an active Earnest Private Student Loan, serviced by MOHELA, please visit MOHELA to manage your loan.
Earnest is the servicer for our Student Loan Refinance and Personal Loan products. Our team supports you throughout the application process and remains available after your loan is disbursed to guide you through repayment.
However, we do collaborate with MOHELA for Earnest Student Loan Refinance to provide servicing support for certain specialized functions. For example, if your student loan becomes past due, Earnest will engage MOHELA to work directly with you until your account is back on track. Even in these cases, Earnest remains your servicer. You will continue to manage your loan on earnest.com and make all payments directly to Earnest. Feel free to check out this article for additional details about how Earnest and MOHELA work together.