&quot;We help early stage professionals accelerate their success with student loan refinancing, mortgages, mortgage refinancing, and personal loans.&quot; - SoFi. Seems like they are both targeting the same niche.<p>Does SoFi also service the loan? It&#x27;s not clear from their landing page. Side-by-side I think Earnest has done a much better job on their site as far as promoting their technology and differentiation.