Citizens vs Earnest:Which is more popular?
In September 2026, Earnest had more branded searches than Citizens among student loan lenders in the United States. Earnest had about 6,600 branded searches, while Citizens had 2,900. Earnest made up 2% of all student loan lender searches we track, and Citizens accounted for 0.88%. When we asked ChatGPT and Google AI Overviews about student loan lenders, Earnest appeared in four of the five answers and Citizens in one. Earnest was mentioned before Citizens in every answer.
Who do people search for more?
Earnest, about 2 searches for every 1 for Citizens
Who does AI mention more?
Earnest, mentioned in 4 of 5 answers, Citizens in 1
Who does AI recommend more?
Earnest, named ahead of Citizens in every answer
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Top student loan lenders in ChatGPT and Google AI Overviews
In three ChatGPT questions and two Google AI Overviews, Earnest was mentioned in four out of five: in all three ChatGPT answers and in one of the two Google AI Overviews. Citizens was mentioned in one out of five: in one of the three ChatGPT answers, but not in either of the two Google AI Overviews. Earnest was listed before Citizens in every answer.
Most recommended by AI
Brands get a higher ranking if they are mentioned earlier in the answers.
- Earnest1st
SoFi2nd
College Ave3rd
Sallie Mae4th
Ascent5th
Citizens6th
Mentioned by AI
Each dot is one answer, filled in when that answer mentions the brand.
- Earnest4 of 5Named in 3 of 3 ChatGPT answersNamed in 1 of 2 Google answers
- SoFi3 of 5Named in 2 of 3 ChatGPT answersNamed in 1 of 2 Google answers
- Sallie Mae2 of 5Named in 2 of 3 ChatGPT answersNamed in 0 of 2 Google answers
- College Ave2 of 5Named in 2 of 3 ChatGPT answersNamed in 0 of 2 Google answers
- Ascent2 of 5Named in 2 of 3 ChatGPT answersNamed in 0 of 2 Google answers
- Citizens1 of 5Named in 1 of 3 ChatGPT answersNamed in 0 of 2 Google answers
See every answer about student loan lenders
5 answers
Asked ChatGPT
“Which private student loan lender should I use in the US?”
Asked ChatGPT
“What are the best private student loan lenders in the US?”
Asked ChatGPT
“What's the best lender in the US to refinance my student loans?”
Searched Google, AI Overview
“private student loans”
Searched Google, AI Overview
“student loan refinance”
Brands are shown in the order each answer named them. The survey took place in United States on October 22, 2026.
Is Citizens or Earnest more popular in search?
This chart shows how often people search Google for Citizens and Earnest by name. Each line represents a brand's share of searches for all six student loan lenders we track, month by month, from searches in United States.
Share of searches by month for Earnest, Citizens. The figures are in the table below the chart.
View monthly share of searches table
| Month | Sallie Mae | College Ave | SoFi | Earnest | Ascent | Citizens |
|---|---|---|---|---|---|---|
| Oct 2025 | 75.3% | 18.5% | 3% | 1.3% | 1.1% | 0.73% |
| Nov 2025 | 74.4% | 18.3% | 3.7% | 1.3% | 1.3% | 0.89% |
| Dec 2025 | 73.5% | 18.1% | 4.4% | 1.6% | 1.3% | 1.1% |
| Jan 2026 | 74% | 18.2% | 3.6% | 2% | 1.1% | 1.1% |
| Feb 2026 | 74% | 18.2% | 3.6% | 2% | 1.1% | 1.1% |
| Mar 2026 | 76.8% | 15.4% | 3.8% | 1.7% | 1.4% | 0.92% |
| Apr 2026 | 77% | 15.5% | 3.1% | 2.1% | 1.4% | 0.92% |
| May 2026 | 73.7% | 18.1% | 4.4% | 1.6% | 1.3% | 0.87% |
| Jun 2026 | 72.7% | 17.9% | 4.4% | 2.4% | 1.3% | 1.3% |
| Jul 2026 | 68.4% | 20.6% | 3.4% | 3.4% | 2.8% | 1.5% |
| Aug 2026 | 70.3% | 21% | 2.3% | 2.8% | 2.3% | 1.3% |
| Sep 2026 | 74.5% | 18.3% | 3% | 2% | 1.3% | 0.88% |
How has the Citizens and Earnest comparison changed over the last 12 months?
3 findings
- Earnest was ahead of Citizens in every measured month of the 12 months ending September 2026.
- Across the 12 months ending September 2026, Citizens’ share of searches among student loan lenders in the United States moved from 0.73% to 0.88%, and its estimated monthly branded searches moved from 2.4K to 2.9K.
- Across the 12 months ending September 2026, Earnest’s share of searches among student loan lenders in the United States moved from 1.3% to 2%, and its estimated monthly branded searches moved from 4.4K to 6.6K.
How did search popularity change for United States student loan lenders in September 2026?
3 changes
In September 2026, SoFi overtook Earnest and Ascent to rank 3rd among student loan lenders in the United States, with 3% of the searches.
In September 2026, Earnest lost share of searches among student loan lenders in the United States, from 2.8% to 2%.
Estimated monthly branded searches for Citizens in the United States rose 20.8% over 12 measured months, from 2.4K to 2.9K in September 2026.
How are branded searches counted?
2 search terms
Brandwave collects information about searches that people make online using Citizens’ and Earnest’s names. When viewed over time, estimated search volumes for these branded terms can be used to understand whether interest in the brands is growing, holding steady, or fading.
Other head-to-heads among student loan lenders
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