Two young women hugging and smiling at a doorway.

The ad opens with two young women, one with curly hair, smiling and hugging at a doorway. The Earnest logo appears. The scene transitions to a laptop and phone displaying the Earnest website, showing loan application steps. The interface highlights options for total cost, interest rate, and loan term. It then shows payment options like 'Interest Only', 'Deferred', 'Full Payment', and 'In School'. The final steps show a confirmation screen on a phone, with a finger tapping 'Finalize & Sign'. The two women are then shown sitting at a table, smiling and looking at the phone. The ad ends with the Earnest logo and website address.