Easy consolidating refi
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.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.
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 had a great experience recently in refinancing my student loans!I was able to complete almost the entire process online. Everything from submitting an application, the communication process, deciding on my loan options, and closing. Even re-applying was a pain as it didn't link up to your own system.I refinanced my student loans with Earnest more than a year ago and, now that we're expecting our first baby, we refinanced a second time. PLUS - the rates offered were easily the best of all the competitors (and I checked). I had been trying to consolidate my federal and private loans for years, at least 8 to be exact, and until I found Earnest it was impossible to do so.We will not charge you any type of fee to fill out and submit a loan request on The loan amount and the time table you select will determine the actual loan rate; along with your credit score, credit usage, and your credit history.
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Consolidating student loans does not affect the amount of interest you pay—it just simplifies your payments. The customer service was excellent and very helpful - the process quick.