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First of all, customer service is top notch and very efficient. This ended up saving me an entire YEAR of additional payments. When I expressed my concerns, Jenny, from Earnest replied quickly to my e-mail with information regarding the policy at Earnest (same as Federal), and was very friendly, even through e-mail.
So in the long run, I saved more money with Earnest. I felt like any question or concern was valid, and would be answered promptly and thoroughly.
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.
Earnest seems to be more advanced than their competitors on other levels except in this aspect, as you can simply call and tell other companies to apply the extra payment to the principal and they do.
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.
It made something that is inherently difficult and emotional into something I look forward to doing. My payments have been affordable and have had nothing but positive experiences with their customer service when I've had to call and ask questions. I have read that the support staff is always available throughout the terms of the loan so let's hope Earnest continues to provide high customer service-one of the main reasons I chose Earnest!