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General Questions
Applying for Loans
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Student Loan Refinancing
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Private Student Loans

Eligibility and Applying

  • What is the Secured Overnight Offered Rate (SOFR)? | General Questions
  • What makes for a successful application?
  • What states does Earnest currently offer loans in? | General
  • Can I apply for a loan if I am a citizen of the United States but living outside of the country?
  • What kind of assets does Earnest consider in my application?
  • If I give you my social security number, will you give me a loan offer?
  • How does applying for an Earnest loan affect my credit?
  • Can I apply for an Earnest loan to pay for school?
  • My application for an Earnest loan was declined. What are my options?

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Earnest Loans are made by Earnest Operations LLC or One American Bank, Member FDIC.


Earnest Operations LLC
535 Mission St., Suite 1663
San Francisco, CA 94105
NMLS #1204917 - nmlsconsumeraccess.org


One American Bank, Member FDIC
515 S. Minnesota Ave
Sioux Falls, SD 57104

Earnest loans are serviced by Earnest Operations LLC (NMLS #1204917) with support from Navient Solutions, LLC (NMLS#212430).
One American Bank and Earnest LLC and its subsidiaries are not sponsored by or agencies of the United States of America.
For California residents (Student Loan Refinance Only): Loans will be arranged or made pursuant to a California Financing Law License.

® 2022 Earnest LLC. All rights reserved.

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