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Based on 33 AI claims comparing the two
Reviewed by Dimitry Apollonsky
Earnest tends to lead the answers when borrowers seek adaptable payment schedules and low monthly payments, while SoFi remains a closely matched alternative.
Which brand does AI favour?Answers collected May 29 – Sep 21, 2026
“Earnest – Frequently rated as the top overall Parent PLUS refinance lender due to competitive rates, flexible repayment terms, and no fees.”
Earnest earns praise for its repayment flexibility, letting borrowers tailor exact payment amounts and skip a payment once a year.
“Earnest — best for flexibility”
“with Earnest as a close second for payment customization.”
“If you're a teacher with a master's degree, my first choice for refinancing is Earnest, with SoFi as a very strong alternative.”
“Earnest: Offers flexible repayment options and allows parents to transfer the loan to the student.”
SoFi alone is ranked in High-yield online banking, No-deposit checking accounts, Online joint bank accounts, No-fee checking accounts, Business lines of credit, Debt consolidation loans for fair credit borrowers without prepayment penalties, High-yield savings account with highest APY, Rapid mortgage pre-approval and closing, ACAT transfer bonuses, Fee-free high-yield savings accounts, Fee-free overdraft bank account and Low-fee micro-investing platforms for college students.
These bars show which brand AI favours in claims citing each source.
These bars show which brand AI favours in claims citing each source.
These bars show which brand AI favours in claims citing each source.
These bars show which brand AI favours in claims citing each source.
These bars show which brand AI favours in claims citing each source.
These bars show which brand AI favours in claims citing each source.
These bars show which brand AI favours in claims citing each source.
These bars show which brand AI favours in claims citing each source.
