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Furthermore, there should be a streamlined application for people who already have Earnest loans and want to re-finance that loan. So in the long run, I saved more money with Earnest. I called Earnest support about 8 times when trying to decide on which lender to go with and 2 more times after I made my decision, with only one exception, my questions were answered to my satisfaction and when folks did not know the answer, I was contacted no later than the next day with a response!If I hadn't already invested so much time and energy in my Earnest account I would definitely be taking my business elsewhere, and am considering doing so regardless. Transferring my loans to Earnest was very easy and it will save money with a lower interest rate. Sallie Mae and Navient have been bilking customers for too long with high interest rates.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.We’ve put together a library of essential resources (like how-to guides, comparisons, and calculators) to help you make better choices. Browse Resource Library 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.Often, Direct Consolidation is required in order to enroll in federal programs such as income-based repayment.
The blended interest rate is determined by calculating the weighted average interest rate of the original loans (meaning higher balance loans have greater impact). I really like the perks of the easy-to-use website and re-amoritization! I don't think there was so much as an email conversation needed, it was all laid out in front of me and I love the payment amount slider. I felt wary of making a change from the Federal repayment system, primarily because I was worried that if something unexpected were to happen to me, that my family would be stuck with a large private loan.
It will have a fixed interest rate based on a weighted average of the loans you consolidate.
By taking out a Direct Consolidation Loan, you can minimize the stress of your debt while retaining your federal loan benefits.
Not Earnest's fault as I had some credit issues years back, but is excellent now. Hopefully my loan payoff over the years happens without any issues.
If you’re feeling overwhelmed by your student loans, you can take comfort in the fact that you’re not alone: Over 44 million Americans have student loan debt today.