The visual of a cartoon character with a real head, looking stressed with dollar signs, and then the text about saving thousands.

A cartoonish animated character with a real person's head, wearing glasses and a green hoodie, sits on a green couch. Initially, dollar signs with minus signs appear above his head, indicating financial worry. He looks at his phone, and a text bubble appears suggesting refinancing student loans with Earnest. The character reacts with surprise as the text bubble flies away. A circular dollar sign with arrows appears. The character then celebrates, throwing his phone up, and a background of numerous inflatable unicorn pool floats appears. The ad transitions to a screen with the Earnest logo and a call to action.