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Student loans

Earnest student loans complaints

Consumers have filed 255 complaints about Earnest's student loans, 53 in the last 12 months (+39%). Earnest answered 100% on time and closed 0% with relief. See the whole Earnest record.

Earnest against other student loan servicers

#Company12 monthsChangeOn timeReliefAll time
1MOHELA7,252-10%36%2%25,029
2Nelnet3,551-13%99.9%0%16,699
3Maximus Federal Services2,3910%100%0%8,072
4Servicer under contract with Federal Student Aid1,520+1%0%-3,025
5Edfinancial Services1,456-7%98.9%0%6,432
6Sallie Mae716+38%100%12%4,273
7Central Research530+151%99.8%0%744
8Navient462-39%100%0%35,811
9Climb Credit304+78%100%0%534
10AES / PHEAA206+4%100%14%13,061
11SoFi160+13%100%9%335
12Goal Structured Solutions108+104%100%0%250
13Earnest53+39%100%0%255

Every loan servicer ranked

Latest Earnest student loans complaints

ReceivedAboutIssueStateAnswerOn time
Oct 26, 2026Student loansDealing with your lender or servicerProblem with customer serviceILExplainedYes
Oct 21, 2026Student loansStruggling to repay your loanCan't temporarily delay making paymentsNYExplainedYes
Oct 19, 2026Student loansIncorrect information on your reportAccount information incorrectILExplainedYes
Oct 1, 2026Student loansDealing with your lender or servicerReceived bad information about your loanILExplainedYes
Oct 1, 2026Student loansDealing with your lender or servicerReceived bad information about your loanCAExplainedYes
Sep 30, 2026Student loansDealing with your lender or servicerProblem with customer serviceFLExplainedYes
Sep 21, 2026Student loansGetting a loanConfusing or misleading advertisingILExplainedYes
Aug 23, 2026Student loansDealing with your lender or servicerProblem with customer servicePAExplainedYes
Aug 22, 2026Student loansGetting a loanProblem with the interest rateNJExplainedYes
Aug 11, 2026Student loansDealing with your lender or servicerReceived bad information about your loanWIExplainedYes
Aug 11, 2026Student loansGetting a loanConfusing or misleading advertisingMIExplainedYes
Aug 7, 2026Student loansDealing with your lender or servicerReceived bad information about your loanNYExplainedYes
Aug 3, 2026Student loansGetting a loanProblem with signing the paperworkDCExplainedYes
Jul 29, 2026Student loansDealing with your lender or servicerReceived bad information about your loanMAExplainedYes
Jul 8, 2026Student loansIncorrect information on your reportAccount status incorrectCAExplainedYes
Jun 16, 2026Student loansStruggling to repay your loanCan't get other flexible options for repaying your loanNYExplainedYes
May 28, 2026Student loansDealing with your lender or servicerProblem with customer serviceFLExplainedYes
May 27, 2026Student loansDealing with your lender or servicerTrouble with how payments are being handledNYExplainedYes
May 25, 2026Student loansDealing with your lender or servicerReceived bad information about your loanMOExplainedYes
May 25, 2026Student loansDealing with your lender or servicerKeep getting calls about your loanIAExplainedYes
May 11, 2026Student loansDealing with your lender or servicerReceived bad information about your loanTXExplainedYes
May 6, 2026Student loansDealing with your lender or servicerNeed information about your loan balance or loan termsFLExplainedYes
May 1, 2026Student loansStruggling to repay your loanCan't temporarily delay making paymentsNJExplainedYes
Apr 21, 2026Student loansStruggling to repay your loanProblem lowering your monthly paymentsCAExplainedYes
Apr 17, 2026Student loansDealing with your lender or servicerReceived bad information about your loanCAExplainedYes
Apr 13, 2026Student loansGetting a loanChanges in terms mid-deal or after closingCAExplainedYes
Apr 12, 2026Student loansDealing with your lender or servicerReceived bad information about your loanFLExplainedYes
Apr 2, 2026Student loansDealing with your lender or servicerReceived bad information about your loanFLExplainedYes
Mar 31, 2026Student loansDealing with your lender or servicerNeed information about your loan balance or loan termsFLExplainedYes
Mar 15, 2026Student loansDealing with your lender or servicerReceived bad information about your loanCAExplainedYes

Your rights with student loan servicers

Federal student loan borrowers can switch to an income-driven repayment plan, ask for deferment or forbearance, and apply for forgiveness programs such as Public Service Loan Forgiveness through studentaid.gov. The Federal Student Aid ombudsman helps with disputes your servicer will not fix. Private loans follow the contract and state law instead.

Scam warning: Applying for federal repayment plans and forgiveness is free. Anyone who charges a fee, asks for your FSA ID or promises instant forgiveness is not to be trusted.

General information, not legal advice; rules vary by state. Plain-English guides

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Complaint records are public consumer complaints filed with U.S. regulators, checked (newest received Nov 15, 2026). Complaints are consumers' own accounts and are not verified; counts grow with a company's size. How the data works

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