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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.
Long story, short, they were able and did so very quickly allowing me to keep the payment flexibility I love with Earnest while getting a better fixed rate. Earnest lowered my fixed interest rate, shortened my payoff date and provided me 0 for transferring my student loans. With that being said, I felt that my rate wasn't as low as possible.
I work for a financial institution; here, the highest effective score is 710.
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.
Perhaps, I could have received a better rate elsewhere.
We look at data other lenders don’t, like savings, education, and earning potential.
This helps us build a better picture of your full financial profile so that we can offer our clients the lowest possible rates on their loans.
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.
Many refinancers didn't want to consolidate federal and private, many others had a much longer application process and their interest rates did not come close to what Earnest could offer me.
Earnest gladly worked with me and I'm extremely satisfied with the services they've provided.