A quick note from Earnest's Client Happiness team:

We're currently experiencing a significant processing delay due to high volume.

If you're waiting for a decision, it may take up to 30 days from the date you completed your application.

If you're waiting for us to send student loan payoff funds to your previous servicer, it may take 60 days or more from the date you signed.

We apologize in advance for the additional wait time.



If you'd prefer to speak with someone, please feel free to call our Client Happiness team at (888) 601-2801. Phone hours are Monday - Friday, 8am-5pm Pacific Time.

Otherwise, you can send us an email using this form:


Please enter the details of your request. We will respond as soon as possible.

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