About Us

Earnest is a mission-driven fintech company founded in 2013, committed to making higher education accessible and affordable for everyone. Our core offerings—private student loans and refinancing—are backed by a merit-based lending model that evaluates more than just credit scores, assessing applicants’ education, income potential, and financial habits to deliver fairer, more personalized financing solutions. With over $19 billion refinanced to date, we’ve empowered countless students to take control of their financial futures.

What We Offer

• Innovative and Purposeful Products: Private student loans, refinancing solutions, and tools designed to reduce the cost of higher education.
• Remote-First, Flexible Culture: A dynamic environment with remote work stipends, home office support, and hybrid options across our San Francisco and Oakland hubs.
• Outstanding Benefits Package: Health, dental, and vision plans; 401(k) with company match; tuition reimbursement; Employee Stock Purchase Plan; generous PTO; parental leave; $1,000 travel perk on each “Earnie-versary”; pet insurance; and more.
• Inclusive, Values-Driven Culture: We operate with core values—Earn Happy Customers, Better is Better, PhD in Moving Fast, Passion for Challenges, Impact is a Team Sport—that guide everything we do.

Why Choose Us?

• Make Real Impact: We tackle the trillion-dollar student debt crisis with innovative finance solutions built on empathy and insight.
• Grow and Innovate: With a remote-first structure, we empower team members to work autonomously and drive meaningful change.
• A Culture That Cares: We celebrate belonging, diversity, and inclusion—supported by resource groups and a culture that values every perspective.
• Reward and Recognition: From financial perks to travel, learning stipends, and thoughtful celebrations—your personal and professional growth is integral to how we reward our team.

Join Our Team

At Earnest, we believe in giving you both the mission and the means to do your best work. Whether you specialize in engineering, product, design, risk, analytics, or operations, you’ll find an empowering environment that values growth, collaboration, and impact. Become an Earnie, and help us transform the future of education financing. Explore current openings at earnest.com/careers.