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How do I locate and download my 2023 Tax Document(s) (1098-E)? | Repaying Your Loan

If you are unable to find your answer within our Help Center, please reach out to your dedicated servicer for further support. 

  • For Earnest clients: Contact the Client Happiness team by using the "Get In Touch" button found at the bottom of this article.
  • For NaviRefi clients: Contact your servicer at 844-381-6621 Monday-Friday 5 am-5 pm PT.

What is the 1098-E form?

Form 1098-E is a Student Loan Interest Statement we issue to clients who’ve paid eligible student loan interest during the calendar year. You may be able to deduct some or even all of that interest on your federal income tax return. It’s important to note that we don’t have access to any interest amounts you’ve paid to other lenders prior to refinancing, so your form will only show the interest you’ve paid on your Earnest loan in 2023. If you are a cosigner or have made payments towards a loan not in your name, you will not receive a 1098-E form from Earnest. We recommend consulting your tax advisor if you have questions, or check out this article for more information. 

How will I receive my tax form(s)?

For Earnest clients, regardless of the amount of student loan interest you paid, we’ll send the tax form(s) according to your account delivery preferences. 

For NaviRefi clients, 

  • if you’ve paid $600 or more in eligible student loan interest, we’ll send the tax form(s) according to your account delivery preferences.
  • if you've paid less than $600 in eligible student loan interest, we'll send your tax form(s) electronically.

All tax form(s) will be available via your online account regardless of the amount of interest you paid. You can verify your preferred delivery method by signing into your account, clicking Profile from the left-side navigation menu, and scrolling to Delivery Preferences, which will indicate if you will receive your tax document(s) electronically or by mail.

How to access my tax form(s)?

Paperless - you’ll want to follow these instructions to access and download your tax document(s):

  1. Sign in to your Earnest account
  2. Select “Documents” from the left-side navigation menu and choose “Tax
  3. Click the downward arrow to view and download your document(s)

By mail - If you’re not set up for electronic delivery, we’ll mail you your tax form(s) no later than January 31st to the address listed on your Earnest account. Please allow additional time for your mail carrier to get this to you (usually 7-10 days). A digital copy will also be available to download within your online dashboard.

Any further questions? We’re here to help! 

  • For Earnest clients: Contact the Client Happiness team by using the "Get In Touch" button found at the bottom of this article.
  • For NaviRefi clients: Contact your servicer at 844-381-6621 Monday-Friday 5 am-5 pm PT
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