Earnest offers student loan refinancing and personal loan products. It looks at thousands of data points such as education, saving patterns, investments, and career trajectory to issue a unique credit score, which can prove a lifeline for students who may otherwise struggle to qualify for loan refinancing.

• Earn Happy Customers - Our customers’ journey is ours to share. Our success comes from anticipating their needs and providing the solutions they’re looking for. This combination of empathy and action helps them become our best endorsers and biggest fans.
• Better is Better - The path to great means getting better every day. We push ourselves, and each other, to remain curious and think differently. We know the value of compounding and how continuous 1% improvement leads to massive changes. We are always willing to challenge the status quo in order to achieve our goals.
• PhD in Moving Fast - Our customers are tired of long wait times and large student loan bills so we constantly seek out ways to deliver faster. We refuse to waste time on things that don’t move the needle and we surprise teammates and customers with our speed.
• Passion for Challenges - Perseverance and optimism are just the start to take on the inertia of a national trillion-dollar problem. We enjoy tough challenges knowing that if we persist through them we will make a difference.
• Impact is a Team Sport - We maximize our impact when we act as one team. We each play our part and put team success above personal achievement. Earnies are willing to do what it takes to make the team better even though it may be uncomfortable for ourselves.

Total funding: $127m