EARNEST INC
LARGO, FLORIDA

Earnest Inc., based in Largo, Florida with its mailing address at 8650 Ulmerton Rd, Largo, FL 33771, is a dynamic financial services company focused on student loan refinancing. Incorporated on August 26, 2013, and having undergone registration under the filing number P13000070678, Earnest distinguishes itself by employing a non-traditional approach to assessing borrowers' creditworthiness. Rather than solely relying on traditional FICO scores, it analyzes comprehensive snapshots of borrowers' career histories and financial behaviors. This allows many borrowers, including those with significant educational debt from undergraduate and graduate degrees, to achieve substantial interest savings. Under the leadership of President Ayaz A Sutaria, Earnest positions itself as a disruptor in the student loan refinancing market, emphasizing flexibility, convenience, and technology-driven customer service. The company's unique value proposition includes customizable repayment terms—allowing borrowers to match payments with their personal circumstances—and innovative marketing initiatives like a $200 brunch reimbursement for referral tracking down required documentation. Earnest targets significant market penetration by leveraging competitive savings compared to traditional lenders, projecting an average annual loan term of 8.4 years and accommodating those who seek flexible repayment schedules. This approach has proved particularly beneficial for professionals from varied fields, achieving substantial savings, estimated at around $11,143 on average for bachelor's degree holders, and much more for professionals with advanced degrees. Commitment to superior customer experience is also evident in Earnest’s digital engagement, reporting over 90% organic website traffic. As of its latest report on January 3, 2024, the company continues to innovate within financial services, seeking not only immediate competitive advantages but sustainable long-term growth. More details about their offerings and corporate ethos can be found at their official site www.earnest.com.