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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
Aug 8, 2025Student loansDealing with your lender or servicerReceived bad information about your loanWIExplainedYes
Aug 1, 2025Student loansDealing with your lender or servicerReceived bad information about your loanDEExplainedYes
Jul 29, 2025Student loansDealing with your lender or servicerTrouble with how payments are being handledWAExplainedYes
Jul 28, 2025Student loansIncorrect information on your reportAccount status incorrectFLExplainedYes
Jul 23, 2025Student loansDealing with your lender or servicerTrouble with how payments are being handledFLExplainedYes
Jul 18, 2025Student loansDealing with your lender or servicerTrouble with how payments are being handledMIExplainedYes
Jul 15, 2025Student loansDealing with your lender or servicerKeep getting calls about your loanWIExplainedYes
Jul 9, 2025Student loansDealing with your lender or servicerReceived bad information about your loanVAExplainedYes
Jun 26, 2025Student loansStruggling to repay your loanProblem lowering your monthly paymentsCAExplainedYes
Jun 18, 2025Student loansDealing with your lender or servicerNeed information about your loan balance or loan termsFLExplainedYes
Jun 16, 2025Student loansGetting a loanConfusing or misleading advertisingWIExplainedYes
Jun 11, 2025Student loansGetting a loanDenied loanMAExplainedYes
Apr 25, 2025Student loansDealing with your lender or servicerProblem with customer serviceNYExplainedYes
Apr 22, 2025Student loansDealing with your lender or servicerTrouble with how payments are being handledNCExplainedYes
Apr 15, 2025Student loansStruggling to repay your loanCan't get other flexible options for repaying your loanMNExplainedYes
Apr 9, 2025Student loansDealing with your lender or servicerReceived bad information about your loanMAExplainedYes
Mar 28, 2025Student loansStruggling to repay your loanCan't get other flexible options for repaying your loanPAExplainedYes
Mar 27, 2025Student loansDealing with your lender or servicerReceived bad information about your loanFLExplainedYes
Mar 14, 2025Student loansStruggling to repay your loanProblem with forgiveness, cancellation, or dischargeINExplainedYes
Mar 7, 2025Student loansDealing with your lender or servicerTrouble with how payments are being handledOHExplainedYes
Feb 20, 2025Student loansDealing with your lender or servicerDon't agree with the fees chargedTXExplainedYes
Feb 16, 2025Student loansDealing with your lender or servicerNeed information about your loan balance or loan termsCAExplainedYes
Feb 15, 2025Student loansDealing with your lender or servicerTrouble with how payments are being handledILExplainedYes
Feb 12, 2025Student loansStruggling to repay your loanProblem lowering your monthly paymentsPAExplainedYes
Feb 11, 2025Student loansStruggling to repay your loanProblem lowering your monthly paymentsNYExplainedYes
Jan 26, 2025Student loansDealing with your lender or servicerDon't agree with the fees chargedMNExplainedYes
Dec 23, 2024Student loansDealing with your lender or servicerReceived bad information about your loanNJExplainedYes
Dec 10, 2024Student loansDealing with your lender or servicerNeed information about your loan balance or loan termsNYExplainedYes
Dec 2, 2024Student loansDealing with your lender or servicerTrouble with how payments are being handledTXExplainedYes
Nov 27, 2024Student loansDealing with your lender or servicerKeep getting calls about your loanMIExplainedYes

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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