A quick note from Earnest's Client Happiness team:

We will be closed on July 4th in observance of Independence Day.

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.

Chat With Us

Our virtual assistant, Atlas, is available 24/7 by clicking the chat icon in the bottom right corner and can assist you with a variety of general and account questions.

If it is unable to assist, Atlas can request a follow-up for you from our team outside of our business hours.

If you’d prefer to connect with human support, our team is happy to chat with you during our office hours: Monday-Friday, 6 a.m. to 5 p.m. PT, excluding holidays.

Submit a request

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, 6 a.m.-5 p.m. PT

(888) 601-2801


NaviRefi Refinance Loans

Phone hours, excluding holidays, are:
Monday-Friday, 6 a.m.-5 p.m. PT

(844) 381-6621


Earnest Personal Loans Serviced by SST

Phone hours, excluding holidays, are:
Monday-Friday, 5 a.m.-8 p.m. PT
Saturday, 6 a.m.-10 a.m. PT

(866) 798-9888


Military Service Members

Email: militarybenefits@earnest.com

Phone hours, excluding holidays, are:
Monday-Friday, 6 a.m.-5 p.m. PT

Within the US: (855) 926-2797

International or abroad: +1 855-926-2804