I was looking to get a lower interest rate and Earnest was the answer. Now, I am finally able to see light at the end of the tunnel with my student loans!
So thankful I stumbled upon them while researching my options online. I have had to contact customer service for a few questions that I had.
Our data-driven evaluation of your full financial profile gives us the ability to offer qualified borrowers lower, more personalized rates than traditional lenders can.
So whether you want to pay off your student faster or just reduce your student loan payments, we can help.
When you refinance student loans, you get credit for the positive changes to your financial profile since you originally took out the loans.
A student loan refinance is a good choice for people who have seen advances in their income, career, or credit score since they were in school.
If you want to be treated like a human and still get the best rate out there, go with earnest. Having good credit got us a rate that was far below the average of all our school loans combined. I'm very satisfied and have already let some of my friends know about it!
Our payment is a bit higher but at least now we know our rate is the best we can get, it will not fluctuate and we are confident that we will have it paid off in 5 years. Online interface could be improved (especially as compared to So Fi's). I started the process and found that as I went each step of the way, instructions were clear and easy to follow. Everything fell into place and all was done relatively quickly.
I've only had a few minor issues with having to chase down the referral bonuses and such, but overall my experience has been very positive.They took care of everything and made the transfer of my student loan easy and flawless. Each time my response was received complete and timely. I was in the trenches for quite some time before I came across Earnest.I love, love, LOVE that Earnest has biweekly payment options so that I can align payments with my paydays! A few of the other bigger named consolidation service providers wouldn't work with me since my smaller named college wasn't in their databases.I understand that companies such as Earnest are for "superprime" borrowers (usually), but I have strong cash flow, credit score, and employment history.Perhaps, I could have received a better rate elsewhere.