A quick note from Earnest's Client Happiness team:

Tax documents are now available! Learn how to view and download your document(s) here

If you are unable to make your student loan payment, you may have options. Check here for private student loan options or here for student loan refinance options.

Other Questions? We're here to help.

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You can chat with us by clicking the green button found in the corner of the page.

Our regular live chat hours are Monday - Friday, 5am-5pm PT, excluding holidays.

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If applicable, please provide the email associated with your Earnest account.

We may be able to temporarily pause your payments, or temporarily lower your payment amount.

If you choose to communicate with us via email, please understand that you assume all responsibility for the protection of personal information while in transit to us and should consider appropriate email security measures. These security measures should include the use of encryption, such as password protection. Additionally, be sure to contact us at the correct email address provided.

Call Us

Earnest Refinance and Private Student Loans

Phone hours, excluding holidays, are:
Monday-Friday, 5am-5pm PT

(888) 601-2801


NaviRefi Refinance Loans

Phone hours, excluding holidays, are:
Monday-Friday, 5am-5pm PT

(844) 381-6621


Earnest Personal Loans Serviced by SST

Phone hours, excluding holidays, are:
Monday-Friday, 5am-8pm PT
Saturday, 6am-10am PT

(866) 798-9888


Military Service Members

Email: militarybenefits@navient.com

Phone hours, excluding holidays, are:
Monday, 5am-6pm PT
Tuesday-Wednesday, 5am-5pm PT
Thursday-Friday, 5am-3pm PT

Within the US: (855) 284-4879

International or abroad: +1 888-272-5543