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Icing on the cake was that each Earnest rep I spoke with was pleasant and knowledgeable.

A big part of being financially responsible is organization. I can make an extra payment through that very easily.

Consolidating student loans does not affect the amount of interest you pay—it just simplifies your payments.

Refinancing student loans, on the other hand, is a step beyond consolidation.

My only complaint is that you can't apply an extra payment throughout the month to the principal only.

The only way to do this is to make the extra payment on the day of your payment is due.

We’ve put together a library of essential resources (like how-to guides, comparisons, and calculators) to help you make better choices when it comes to refinancing student loans. 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.

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So whether you want to pay off your student faster or just reduce your student loan payments, we can help.

Thank you, Earnest and your team, you have helped lift a large weight off my shoulders and afford me the opportunity to finally be able to afford to finish off my degree!

I have been hesitant to refinance my loans, but Earnest made it really easy. I was able to plug in all of my information and get a quick quote.

Student loan consolidation is the process of unifying several loans with different rates and terms into a single loan with a single payment.

The blended interest rate is determined by calculating the weighted average interest rate of the original loans (meaning higher balance loans have greater impact).

You also get to choose your monthly payments and let's you know how much you'll be paying in interest with the amount you've chosen.

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