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Eligibility

  • How do you determine loan ownership? | Student Loan Refinancing
  • Do you refinance loans in default or that have been sent to a collection agency? | Student Loan Refinancing
  • Can I Refinance my Prodigy Finance Loan With Earnest? | Student Loan Refinancing
  • My student loans are held by an institution outside the U.S., can I refinance with you? | Student Loan Refinancing
  • Can I refinance my current Earnest student loan refinance again? | Student Loan Refinancing
  • Is my school and/or program eligible?
  • I'm currently enrolled in school, can I refinance? | Student Loan Refinancing
  • Can I refinance student loans for schooling I did not complete? | Student Loan Refinancing
  • I have student loans from an associate degree, can I refinance with Earnest? | Student Loan Refinancing
  • Is it possible to refinance both federal and private student loans?
  • Can I refinance loans that have been consolidated or refinanced previously?
  • Can Earnest transfer a student loan from one person's name to another? | Student Loan Refinancing
  • Can my spouse and I refinance and consolidate our loans together? | Student Loan Refinancing
  • Are Parent Plus loans eligible for refinancing?
  • Can I refinance someone else’s loans?

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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.