Two young women at a doorway, one handing a letter to the other, with the 'earnest' logo appearing.

The ad opens with two young women, one with curly hair and the other with her hair in a bun, standing at a doorway. The woman with curly hair is handing a letter to the other. The logo 'earnest' appears. The scene shifts to a laptop screen showing an application form for 'earnest' student loans, with fields for address and birthday. A phone is also visible, displaying an 'earnest Rep' call. The women are then shown at a table, looking at a phone and laptop. The application process continues on the laptop screen, showing options for interest rates and loan terms. The women are shown smiling and interacting, then looking at a phone screen with options to 'Confirm Terms' and 'Finalize & Sign'. The final scenes show the women loading a car with luggage, implying a departure for college, and embracing emotionally. The ad ends with the Earnest logo and website address.