About

Earnest is a financial technology company that provides education financing products, specializing in student loan refinancing and private student loans. The company evaluates applicants using both traditional credit scores and alternative factors like income and educational background. Founded in September 2013 and headquartered in San Francisco, Earnest operates through an online platform available in 48 US states and Washington, D.C.

Products
The lineup spans student loan refinancing for undergraduate and graduate borrowers, private in-school student loans (launched in 2019), and financial aid and scholarship services through the 2021 acquisition of Going Merry.