Earnest is a fintech lender that offers mainly education loans, including private student loans and refinancing options. It also offers personal loans and debt management tools. The company has refinanced more than $19 billion in loans since it was founded in 2013 by Louis Beryl and Ben Hutchinson. Earnest is headquartered in San Francisco, California, and its CEO is David Green.

Earnest employs about 250 people, affectionately nicknamed “Earnies.” While it has two offices, the company is remote first. It even offers its employees remote work stipends to cover work-related expenses. Earnest also offers employee resource groups for Black, Asian, LatinX, LGBTQ+, and women employees and their allies. Positions at the company range from data, analytics, and engineering to marketing, finance, and risk, among many others.