Earnest mailing address
To mail a letter or form to Earnest — which services its own private (non-federal) student and refinance loans — send it to Earnest, PO Box 9250, Wilkes-Barre, PA 18773-9250. Earnest is a private lender that originates and services its own student loans and student loan refinancing, separate from the federal Direct Loan program. It is owned by Navient. Use this address for general correspondence, deferment/forbearance and income-driven repayment paperwork, and discharge or forgiveness claims. Payments often go to a separate address, so check your statement or Earnest's official contact page before mailing one.
Earnest — correspondence address
Earnest PO Box 9250 Wilkes-Barre PA 18773-9250
General correspondence, deferment/forbearance and income-driven repayment paperwork, and discharge or forgiveness claims for its own private (non-federal) student and refinance loans. Confirm before mailing a payment — servicers often use a separate payment-only address or lockbox.
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Your name
Your return address
EarnestPO Box 9250Wilkes-Barre, PA 18773-9250
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Key facts
- This is Earnest's published correspondence address, taken from its own contact page.
- Earnest services its own private (non-federal) student and refinance loans.
- Use it for general correspondence, forms, and claims — not necessarily for payments, which many servicers route to a separate address.
- Include your loan or account number on the form itself, not just the envelope or a cover letter.
- Many forms can also be submitted through the servicer's online account portal, which is usually faster than mail.
- PostPal prints your letter and mails it for you — no printer, envelope, stamps, or post office trip.
How to send your letter
- 1
Check whether it can go through your online account first
Most servicers, including Earnest, process forms faster through their online borrower portal than by mail. Use paper when a form needs a wet signature, you can't access the portal, or Earnest has specifically asked you to mail something.
- 2
Include your loan/account number on everything
Write your full name and loan or account number on the form itself and on any cover letter — loose pages that fall out of an envelope are the most common reason mailed paperwork gets delayed or lost.
- 3
Address it to the correspondence office
First line: Earnest. Then: PO Box 9250. Then the city line: Wilkes-Barre PA 18773-9250.
- 4
Send it with PostPal
Write or upload your letter or form to PostPal with the address above prefilled. We print it, add your return address, and mail it for you — no printer, envelope, stamps, or trip to the post office.
Common questions
What is the Earnest mailing address?
Earnest, PO Box 9250, Wilkes-Barre, PA 18773-9250. This is Earnest's published correspondence address for general mail — forms, letters, and paperwork. Confirm it on Earnest's official contact page before anything time-sensitive, since servicers sometimes use a different address for payments and can relocate.
What does Earnest service?
Earnest is a private lender that originates and services its own student loans and student loan refinancing, separate from the federal Direct Loan program. It is owned by Navient.
Can I mail a payment to this address?
Check first — many servicers, including federal loan servicers, route payments to a separate PO box or lockbox from the one used for general correspondence and forms. The address above is for correspondence; look up your specific payment address on Earnest's official contact page or your monthly statement before mailing a check.
Where do I mail a deferment, forbearance, or income-driven repayment form?
Send it to the address above, addressed to Earnest. Include your loan or account number on the form itself, since separated cover letters and forms can get processed out of order. Many of these forms can also be submitted through your online account, which is usually faster.
How do I mail Earnest a letter without a printer?
Write or upload your letter to PostPal. We print it, add your return address, and mail it for you — no printer, stamps, or post office trip needed.
Sources
Addresses verified September 2026 against official sources. Always confirm on the official site before time-sensitive filings.