Unfortunately, we’re unable to refinance loans that are currently in default or in collections. If you work with your current lender(s) to get your loan(s) into good standing, we advise applying after the loan(s) have been brought current and reflected on your Experian credit report. Please see our Eligibility Guide & Requirements for more information.
If you think there may be an error on your credit report, we recommend reaching out to the credit bureaus directly to have it corrected. Please note that Earnest works directly with Experian when reviewing Student Loan Refinancing applications.