Earnest

Earnest is a financial technology company that specializes in providing student loan refinancing and private student loans. They make money by offering competitive interest rates and flexible repayment options, which attract borrowers looking to manage their education debt more effectively. Founded in 2013, Earnest has grown by leveraging data-driven underwriting and personalized customer service to differentiate itself in the crowded fintech market. Key milestones include its acquisition by Navient in 2017, which expanded its resources and market reach.

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