Earnest vs ELFI: which does AI recommend?

· ChatGPT Search and Google AI Mode

Based on every AI answer that names bothReviewed by

How we measure

AI summary

The claims suggest comparing and rather than choosing between them. When answers name both, is listed first almost always.

Listed first when AI names both

EarnestEarnest: 91% (Earnest leads)ELFIELFI: 9%

Recommended when named

EarnestEarnest: 84% (Earnest leads)
ELFIELFI: 58%

Warned against · lower is better

EarnestEarnest: 4%
ELFIELFI: 5%

Pick Earnest for

  • Parent PLUS refinancing Almost always
  • Teacher refinancing Almost always
  • Student loan refinance programs Almost always

Topic by topic

Mentioned in, as a share of each topic’s answers

Earnest named more2

Earnest named more

What people ask AI about Earnest and ELFI

is listed first almost always for Parent PLUS refinancing and teacher refinancing.

Earnest listed firstELFI listed first
  1. For parents who took out Parent PLUS loans, which refinancing lender is best to lower payments while keeping options open?Earnest almost always first
  2. What's the best student loan refinancing company for a teacher with a master's degree?Earnest almost always first
  3. What programs help refinance student loans?Earnest almost always first
  4. As a grad with $40,000 in student loans, which private refinancing lender offers the best rate for a 10-year fixed refinance based on current credit and income?Earnest usually first
  5. As a borrower with federal loans, which lenders offer the most flexible refinance options while considering the trade-offs of losing federal protections?Earnest almost always first
  6. how can i refinance student loans online?Earnest almost always first
  7. I am looking for a student loan refinancing that allows co-signer release and does not have origination fees.Level
  8. For a physician with high income and large student debt, which student loan refi company offers the best physician-specific terms and bonuses?Earnest usually first

Who AI mentions first

Earnest listed firstELFI listed first

is listed first every month.

  1. JunEarnest listed first: 93%ELFI listed first: 7%
  2. JulEarnest listed first: 91%ELFI listed first: 9%
  3. AugEarnest listed first: 87%ELFI listed first: 13%
  4. SepEarnest listed first: 93%ELFI listed first: 7%

ChatGPT Search and Google AI Mode list first almost always; every engine leans to by about the same margin.

  • ChatGPT SearchEarnest listed first: 92%ELFI listed first: 8%
  • Google AI ModeEarnest listed first: 90%ELFI listed first: 10%

Sources cited in the comparisons

Earnest favouredNeither favouredELFI favoured

Also named alongside Earnest and ELFI

  1. SoFi98%
  2. Rhode Island Student Loan Authority (RISLA)31%
  3. LendKey31%
  4. Citizens Bank30%
  5. Laurel Road24%
  6. Splash Financial23%
  7. Credible18%
  8. College Ave Student Loans17%
  9. Navy Federal Credit Union12%
  10. NEA Member Benefits5%
  11. Massachusetts Educational Financing Authority4%
  12. KeyBank4%

Earnest vs ELFI: common questions

Is Earnest better than ELFI?
The claims suggest comparing Earnest and ELFI rather than choosing between them. When answers name both, Earnest is listed first almost always.
Do ChatGPT and Google AI Mode recommend Earnest or ELFI?
ChatGPT Search and Google AI Mode list Earnest first almost always; every engine leans to Earnest by about the same margin.
What are the alternatives to Earnest and ELFI?
AI most often names SoFi, Rhode Island Student Loan Authority (RISLA), LendKey and Citizens Bank in the same answers.
When is Earnest the better pick?
AI usually lists Earnest first for: Parent PLUS refinancing; Teacher refinancing; Student loan refinance programs.

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