Earnest Disclosures

Advertising Disclosure

Dental Debt Solutions was created for you by a member of your community. We have carefully curated our partners’ with your best interest in mind. Always. That said, we are affiliate partners with the student loan refinance companies who we feature in our website, meaning we do receive financial compensation from them for each loan refinance that is successfully completed if you click through the links provided on the Dental Debt Solutions website.

As a part of our mission, we aim to provide you with a platform that encompasses all of the most popular student loan refinance companies that are best for your profession and exclusive promotions that will help guide and jumpstart your careers.

Auto Pay Discount disclosure:

You can take advantage of the Auto Pay interest rate reduction by setting up and maintaining active and automatic ACH withdrawal of your loan payment. The interest rate reduction for Auto Pay will be available only while your loan is enrolled in Auto Pay. Interest rate incentives for utilizing Auto Pay may not be combined with certain private student loan repayment programs that also offer an interest rate reduction. For multi-party loans, only one party may enroll in Auto Pay.

Interest Rate Disclosure: 

Actual rate and available repayment terms will vary based on your income. Fixed rates range from 2.59% APR to 5.79% APR (excludes 0.25% Auto Pay discount). Variable rates range from 1.88% APR to 5.64% APR (excludes 0.25% Auto Pay discount). For variable rate loans, although the interest rate will vary after you are approved, the

interest rate will never exceed 36% (the maximum allowable for these loans). Earnest variable interest rate student loan refinance loans are based on a publicly available index, the one month London Interbank Offered Rate (LIBOR). Your rate will be calculated each month by adding a margin between 2.04% and 5.8% to the one month LIBOR. Earnest rate ranges are current as of 8/8/2021, and are subject to change based on market conditions.

Lender Identification Disclosure:

Earnest Loans are made by Earnest Operations LLC or One American Bank, Member FDIC. Earnest Operations LLC, NMLS #1204917. 535 Mission St., Suite 1663, San Francisco, CA 94105. California Financing Law License 6054788. Visit earnest.com/licenses for a full list of licensed states. For California residents (Student Loan Refinance Only): Loans will be arranged or made pursuant to a California Financing Law License.

One American Bank, 515 S. Minnesota Ave, Sioux Falls, SD 57104. Earnest loans are serviced by Earnest Operations LLC with support from Navient Solutions LLC (NMLS #212430). One American Bank and Earnest LLC and its subsidiaries, including Earnest Operations LLC, are not sponsored by agencies of the United States of America.

© 2021 Earnest LLC. All rights reserved.

Loan Cost Examples Disclosure:

These examples provide estimates based on payments beginning immediately upon loan disbursement. Variable APR: A $10,000 loan with a 20-year term (240 monthly payments of $72) and a 5.89% APR would result in a total estimated payment amount of $17,042.39. For a variable loan, after your starting rate is set, your rate will then vary with the market. Fixed APR: A $10,000 loan with a 20-year term (240 monthly payments of $72) and a 6.04% APR would result in a total estimated payment amount of $17,249.77. Your actual repayment terms may vary. Terms and Conditions apply. Visit earnest.com/terms-of-service, e-mail us at hello@earnest.com, or call 888-601-2801 for more information on our student loan refinance product.

Loan Fees Disclosure:

Earnest does not charge fees for origination, late payments, or prepayments. Florida Stamp Tax: For Florida residents, Florida documentary stamp tax is required by law, calculated as $0.35 for each $100 (or portion thereof) of the principal loan amount, the amount of which is provided in the Final Disclosure. Lender will add the stamp tax to the principal loan amount. The full amount will be paid directly to the Florida Department of Revenue. Certificate of Registration No. 78-8016373916-1.

Skip-A-Payment Disclosure

Earnest clients may skip one payment every 12 months. Your first request to skip a payment can be made once you’ve made at least 6 months of consecutive on-time payments, and your loan is in good standing. The interest accrued during the skipped month will result in an increase in your remaining minimum payment. The final payoff date on your loan will be extended by the length of the skipped payment periods. Please be aware that a skipped payment does count toward the forbearance limits. Please note that skipping a payment is not guaranteed and is at Earnest’s discretion. Your monthly payment and total loan cost may increase as a result of postponing your payment and extending your term.

Dental Debt Solutions LLC 

Terms and conditions and disclosures: cashback bonus and promotional goods

In order to be eligible for the cashback bonus and exclusive promotional goods, you must have gone through our website, clicked on the link of the refinance company that closed/refinanced your student debt. After being redirected to the refinance company’s website, it’s vital that you complete the initial loan rate application at that point and time. If you close your web browser, turn off your computer, or go directly to the website of the loan refinance company without clicking on the link on our website, you will not be eligible for the cashback bonus or promotional goods.

To make sure that you get your cashback bonus and promotional goods, we encourage you to confirm with the loan refinance company that “Dental Debt Solutions” is getting credit for the referral.

After you (the borrower) successfully refinanced your student loans through clicking on our website links, please email us at cashbonus@ddsrefi.com so we can confirm your eligibility to receive the cashback bonus and exclusive promotional/discounted goods. Dental Debt Solutions LLC will send you (the borrower) a cashback bonus based on the tier structure you are eligible for. To see the cashback bonus tier structure, click here. If you refinance through Laurel Road, ISL Education Lending, or LendKey, depending on your tier level for the cashback bonus, you may receive the cashback bonus directly from the refinance company (Laurel Road, ISL Education Lending, or LendKey) or a combination between the student loan refinance company and Dentel Debt Solutions LLC. Please read the disclosures as well as the cashback tier levels at the bottom of this page for details where the cashback bonuses are being distributed from.  

Giftly.com: All cashback bonuses that are given from Dental Debt Solutions LLC are sent from the company Giftly (Giftly.com) to the eligible recipient.

You (the borrower) will receive your cashback bonus no later than 20 business days from the last day of the month that your student loan refinance was successfully dispersed. In order for Dental Debt Solutions LLC to send you (the borrower) the cashback bonus, you must confirm your eligibility by emailing us at cashbonus@ddsrefi.com after you (the borrower) have successfully completed your student loan refinance. Without the confirmation of eligibility, we are not able to send your cashback bonus. 

You (the borrower) must claim your cashback bonus within 90 days from the last day of the month in which your loan was successfully dispersed (completion of student loan refinancing).  If you (the borrower) do not claim your cashback bonus within the 90 days from the last day of the month in which your loan was disbursed, the borrower, you, are no longer eligible and lose/forfeit the right to claim the cashback bonus. If you (the borrower), lose (forfeit) the right to your cashback bonus because you did not claim inside of the time limit set above, the borrower, you, are still eligible and will still receive the exclusive promotional goods from all of our partnering companies. The cashback bonus amount you receive will depend on the total dollar amount of the loans that were refinanced and dispersed. Please read the cashback bonus tier structure at the bottom of this page. The cashback bonus offer is valid multiple times (you are able to get multiple cashback bonuses from Dental Debt Solutions LLC) if you refinance your student loans again through a different student loan refinance company as long as you (the borrower) did not previously have an account with the new student loan refinance company in the past. You (the borrower) are not eligible to receive more than one exclusive promotional/discounted goods bonus even if you refinance multiple times with other refinance companies that you have not had an account with in the past. The exclusive promotional/discounted goods offer is only valid for one (1) per person. However, you are eligible for multiple cashback bonuses as stated above.

All cashback bonuses are deemed taxable income because of the size and nature of the transaction. Each individual will be asked to complete a W-9 prior to disbursement of the cashback bonus as you will receive a 1099-MISC in an appropriate time frame in order to file with your yearly taxes. You, the borrower, are required to complete the W-9 in order to receive your cashback bonus. You, the borrower, and cashback bonus recipient, are responsible for filing this 1099-MISC with the IRS (Internal Revenue Service). Dental Debt Solutions LLC will be filing this W-9 and 1099-MISC with the IRS, legally informing them of this transaction.

Refinance Company Disclosures and Promotional Goods Disclosures
1) Discounted and promotional goods and services worth up to $67,000 comes from our consumer goods partner companies and the details of the promotions can be found by clicking here
2) Laurel Road: Refinancing with Laurel Road by clicking through our site, you are eligible for up to $2,200 in a cashback bonus. The first $550 of the cashback bonus may be paid directly from Laurel Road.  If the first $550 is paid directly from Laurel Road, then the remaining balance of the cashback bonus is paid by Dental Debt Solutions LLC. Rates include 0.25% auto-pay interest rate reduction. Variable rates may increase after consumption. Please see the tier payout structure here. Laurel Road disclosures
3) Splash Financial: Refinancing with Splash Financial by clicking through our site, you are eligible for up to $2,200 in a cashback bonus which is all directly paid from Dental Debt Solutions LLC. Variable rates may increase after consummation. Rates include 0.25% auto-pay interest rate reduction. Please see the tier payout structure here. Splash Financial disclosures
4) Commonbond: Refinancing with Commonbond by clicking through our site, you are eligible for up to $2,200 in a cashback bonus which is all directly paid from Dental Debt Solutions LLC. Rates include 0.25% auto-pay interest rate reduction. Variable rates may increase after consummation. Please see the tier payout structure here. Commonbond disclosures
5) Credible: Refinancing with Credible by clicking through our site, you are eligible for up to $2,200 in a cashback bonus which is all directly paid from Dental Debt Solutions LLC. Variable rates may increase after consummation. Please see the tier payout structure here. Credible disclosures
6) Earnest: Refinancing with Earnest by clicking through our site, you are eligible for up to $2,200 in a cashback bonus which is all directly paid from Dental Debt Solutions LLC. Rates include 0.25% auto-pay interest rate reduction. Variable rates may increase after consummation. Please see the tier payout structure here. Earnest disclosures
7) ISL Education Lending: Refinancing with ISL Education Lending by clicking through our site, you are eligible for up to $1,800 in a cashback bonus. The first $500 of the cashback bonus is paid directly from ISL Education Lending and the remaining balance is paid by Dental Debt Solutions LLC. Rates include 0.25% auto-pay interest rate reduction. Please see the tier payout structure here. ISL Education Lending disclosures
8) College Ave:  Refinancing with College Ave by clicking through our site, you are eligible for up to $1,600 in a cashback bonus which is all directly paid from Dental Debt Solutions LLC. Rates include 0.25% auto-pay interest rate reduction. Variable rates may increase after consummation. Please see the tier payout structure here. College Ave disclosures
9) LendKey: Refinancing with LendKey by clicking through our site, you are eligible for up to $1,600 in a cashback bonus. The first $200-$750 of the cashback bonus is paid directly from LendKey and the remaining balance is paid by Dental Debt Solutions LLC. Rates include 0.25% auto-pay interest rate reduction. Variable rates may increase after consummation. Please see the tier payout structure here. LendKey disclosures
10) SoFi: Cashback and promotional goods are ONLY eligible if SoFi is chosen as the lender inside of (through the company websites of) Credible or Splash Financial websites after clicking their links from our website. Please email us at help@ddsrefi.com with any questions. SoFi is one of many banks competing for your business within the websites of Splash Financial and Credible and may not be the lowest rate in their respective marketplaces. Rates include 0.25% auto-pay interest rate reduction. Variable rates may increase after consummation.
11) ELFI: Refinancing with ELFI by clicking through our site, you are eligible for up to $2,200 in a cashback bonus which is all directly paid from Dental Debt Solutions LLC. Variable rates may increase after consummation. Rates include 0.25% auto-pay interest rate reduction. Please see the tier payout structure hereELFI disclosures

CASHBACK Bonus Tier Levels

Tier LevelRefinance AmountCashback Bonus
Tier 1$60,000 to $99,999.99$500
Tier 2$100,000 to $149,999.99$700
Tier 3$150,000 to $199.999.99$1,100
Tier 4$200,000 to $249,999.99$1,250
Tier 5$250,000 to $299,999.99$1,400
Tier 6$300,000 to $349,999.99$1,600
Tier 7$350,000 to $399,99.99$1,700
Tier 8$400,000 to $449,999.99$1,800
Tier 9$450,000 to $499,999.99$2,000
Tier 10$500,000 and higher$2,200