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Earnest offers student loan refinance options with flexible repayment terms, competitive rates, and excellent customer service. The company stands out from its competitors for offering the most flexible options for repaying student loans. Borrowers can choose their payment amount, repayment term, payment frequency, and can make changes to their payments at any time. Earnest also allows one payment to be skipped per year after six months of on-time payments. Even borrowers with incomplete degrees are eligible to refinance with Earnest.

The company offers both fixed-rate and variable-rate student loan refinance options. Fixed-rate loans offer predictability and peace of mind, while variable-rate loans can fluctuate depending on changing market rates. Borrowers should research Earnest’s pricing, financial stability, and customer service accessibility before deciding to refinance their student loans with the company. With highly responsive and knowledgeable customer service, Earnest has garnered positive reviews from borrowers. However, it’s important to note that variable-rate loans are unavailable in certain states.



Read more: Earnest Student Loan Refinance Review