Earnest Student Loan Program

Trusts are segregated by issuance year. To view Historical Reports and Issue Details for a specific trust, select the year it was issued in the drop-down menu.


The Earnest Student Loan Program Trusts (“Earnest Trusts”) are the securitizations of Earnest Operations LLC, (“Earnest”). Earnest Operations LLC is an indirect majority-owned subsidiary of Navient Corporation.

For your convenience, we may post Historical Reports and other materials relating to the Earnest Trusts. The asset-backed securities issued by the Trusts do not represent interests in or obligations of, and are not guaranteed or insured by, Earnest Operations, LLC, Navient Solutions, LLC or Navient Corporation. The asset-backed securities issued by the Earnest Trusts listed herein are subject to federal and state income taxes. The asset-backed securities issued by the Earnest Trusts listed herein are described in a private placement memorandum containing information about the terms and conditions of the asset-backed securities, financial characteristics, and servicing information related to the underlying student loan assets, trading information about the asset-backed securities, and other issuance details.

Servicing and Distribution Reports

Servicing and Distribution Reports for the Earnest Trusts contain statistical, interest rate, and fee information related to the student loan-backed notes and certificates. The reports also contain cash flow, outstanding balance information, and loan characteristics for the underlying student loans, as well as the distributions being made to note holders and certificate holders.

To find a particular report, use the drop-down menu above to navigate to the appropriate issuance year's trusts page, then click on the "Details Page" link under the appropriate trust title.