Earnest Inc. Student Loan Complaint

Earnest Inc. Student loan department,

Non-federal student loan Getting a loan Qualify for a better loan than offered Pennsylvania

I applied for a student loan re-finance with Earnest. They are advertising a 3.5 % APR as the lowest fixed rate. I earn well into -, have a - -, no other debt other than a 2015 car with a loan of approximately 50 % LTV and a $1200.00 mortgage, 10+ years of work experience, - - with no late or negative information. They offered me over 5 % as the best APR, which is congruent with the non-fintech market rate. I firmly believe that this company is engaged in false advertising of the 3.5 % APR. The explanation for the credit offering of 5+ % did not hold water, given the aforementioned credit basis. The only resolution that I will accept for this inquiry is a disclosure of what percentage of applicants are being offered the optimal 3.5 % fixed APR. Earnest refused to disclose this information ; I will continue to escalate this through Congressional inquiries if that information is not released.