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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
Mar 4, 2026Student loansDealing with your lender or servicerProblem with customer serviceFLExplainedYes
Feb 23, 2026Student loansDealing with your lender or servicerReceived bad information about your loanPAExplainedYes
Feb 23, 2026Student loansDealing with your lender or servicerProblem with customer serviceMAExplainedYes
Feb 18, 2026Student loansDealing with your lender or servicerDon't agree with the fees chargedTXExplainedYes
Feb 13, 2026Student loansDealing with your lender or servicerReceived bad information about your loanTNExplainedYes
Feb 11, 2026Student loansStruggling to repay your loanCan't temporarily delay making paymentsFLExplainedYes
Feb 11, 2026Student loansGetting a loanConfusing or misleading advertisingCAExplainedYes
Feb 4, 2026Student loansGetting a loanProblem with signing the paperworkCAExplainedYes
Jan 27, 2026Student loansDealing with your lender or servicerDon't agree with the fees chargedNYExplainedYes
Jan 26, 2026Student loansGetting a loanHigh pressure sales tactics or recruitingTXExplainedYes
Jan 23, 2026Student loansStruggling to repay your loanCan't temporarily delay making paymentsNYExplainedYes
Jan 23, 2026Student loansDealing with your lender or servicerReceived bad information about your loanTNExplainedYes
Jan 20, 2026Student loansStruggling to repay your loanCan't get other flexible options for repaying your loanTXExplainedYes
Jan 19, 2026Student loansDealing with your lender or servicerReceived bad information about your loanTNExplainedYes
Jan 13, 2026Student loansDealing with your lender or servicerReceived bad information about your loanNYExplainedYes
Jan 10, 2026Student loansDealing with your lender or servicerNeed information about your loan balance or loan termsPAExplainedYes
Jan 10, 2026Student loansGetting a loanConfusing or misleading advertisingNCExplainedYes
Jan 6, 2026Student loansDealing with your lender or servicerReceived bad information about your loanOKExplainedYes
Dec 31, 2025Student loansDealing with your lender or servicerProblem with customer serviceFLExplainedYes
Dec 12, 2025Student loansDealing with your lender or servicerProblem with customer serviceNYExplainedYes
Dec 10, 2025Student loansDealing with your lender or servicerReceived bad information about your loanPAExplainedYes
Nov 24, 2025Student loansGetting a loanHigh pressure sales tactics or recruitingINExplainedYes
Nov 17, 2025Student loansDealing with your lender or servicerTrouble with how payments are being handledFLExplainedYes
Oct 28, 2025Student loansDealing with your lender or servicerProblem with customer serviceNYExplainedYes
Sep 24, 2025Student loansDealing with your lender or servicerReceived bad information about your loanMAExplainedYes
Sep 20, 2025Student loansDealing with your lender or servicerReceived bad information about your loanFLExplainedYes
Sep 4, 2025Student loansDealing with your lender or servicerReceived bad information about your loanOHExplainedYes
Aug 22, 2025Student loansDealing with your lender or servicerReceived bad information about your loanWIExplainedYes
Aug 19, 2025Student loansDealing with your lender or servicerTrouble with how payments are being handledMIExplainedYes
Aug 16, 2025Student loansDealing with your lender or servicerProblem with customer serviceNJExplainedYes

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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