§ 232) prohibits lenders from charging service members more than 36% APR on credit extended to covered borrowers. Earnest has 5 stars! Do you agree with Earnest’s star rating? SoFi did transfer my loans to mohela and they haven't given me any issues. Much higher rates than everyone else. For many reasons, I refuse to deal with Mohela. Add Laurel Road (currently refinanced here, awesome! About Earnest. Like most lenders, Earnest offers both fixed-rate and variable-rate consolidation loans. Earnest - Read unbiased reviews of Earnest. Earnest is an online lender offering private student loans to current college and graduate students and student loan refinancing to graduates. I read a lengthy review on here re: Earnest vs. Sofi from someone else. When Earnest offered another 2.25% off of SoFi's loan, it was a no-brainer for me to switch. Earnest is an online-only lender that offers student loan refinancing, parent PLUS loan refinancing, and personal loans. I refinanced with SoFi a few years ago and did so again last week to lower my interest rates. officially launched date : 7-9-2019 minimum investment : 10$ investment plans : 34% Hourly For 4 Hours, 58% Hourly For 4 Hours, 96% Hourly For 4 Hours deposit option and withdrawal : Bitcoin, perfect money, and payeer. Looking to refinance my Sallie Mae and Discover loans with either of the companies reference up top. Loan Modification, Student Loans, Write a Review. When I went to Earnest, SoFi was not competitive on rates, I believe they have changed since then. The dashboard is really straight forward. I'll throw LendKey into this mix. Do you agree with Earnest's TrustScore? ), ELFI, and Citizens to that list and you should be good to go! I purchased a package for my niece as an 8th grade graduation present and decided to also buy a package for myself. Good. Read our review of LightStream and compare loans. $70k income, looking to refinance $49k of student loans. All content is posted anonymously by employees working at Earnest. Both applied , went with Earnest because they offered me a lower rate. I really liked SoFi! I refinanced through Sofi about 3 years ago, then recently compared quotes from Earnest, ELFI, and Sofi, went with ELFI who gave me the lowest fixed rate. They also gave me a nice sign up perk where they reimbursed me for a meal up to $300 which I already claimed, so I know it works. I'd apply to multiple institutions and go with whomever you feel best about. IMHO, the lowest rate is the best choice, only time this would change is in the case of federal loans who may offer loan forgiveness. Reddit. I tried most of the sites listed below (not eligible for Earnest) and found LendKEy to be lower than the rest by .5%. I ended up with the best offer from CommonBond, and it was a fairly easy process. Share 10. It was a bit tedious getting all the documents they needed, but the customer service was excellent throughout! Filtered with Maple charcoal via the Lincoln County Process and aged in charred, new American Oak barrels for an undisclosed time. I've always had not so great skin, but at my age I figured this was it and I've learned to manage my occasional breakouts and combo skin OK. I am pre-approved and it'd drop my payment by $200+ a month through SoFi. Took about 2 weeks from application to having the check in Discover's hands. I've never heard of it? THIS WEEK: Holiday season begins in earnest starting today By Roy Kent, Staff writer Nov. 29, 2020 Facebook Twitter Email LinkedIn Reddit Pinterest Earnest offers better protections than most private student loan lenders. Earnest Reviews ( 1 Review ) Website: www.Earnest.com . Earnest offers student loan refinancing and private student loans for undergraduate and graduate students. Thank you! Consolidation likely won't help me because the average interest rate of my loans is going to be high anyway (some of my federal loans are at 6.8%!) Earnest Student Loans - Read unbiased reviews of Earnest Student Loans. This is the right answer. But all I have to compare them to is Sallie Mae/Navient, so that's a pretty low standard :). Earnest has their own dashboard and they service their loans. SoFi also had a $300 welcome bonus which was a nice touch on top of the good rate. Monthly payments with the two are way too high. Would it hurt me if I apply for either of them while in forbearance? I'm wondering if anyone else has good advice, feedback, or information to share about working with one of these companies? Will either of the potential refinance lenders view it as a negative. PM me if you'd like my referral code to get $200 on signing up. Apply to each one (soft pulls won't affect your credit score) and see who has the best offer. I'm not sure about the loans being in forbearance but I would assume they'd ask why you'd do that. The dashboard is really straight forward. Earnest has their own dashboard and they service their loans. Earnest takes into account your savings and investments not just credit score. I just got denied for a refi through SoFi because my coborrowers income is tricky. Borrowers have the opportunity to receive low rates, customized loan terms, and the option to skip one payment per year if needed. Each offered the most competitive rate for the terms I was looking for. ... or Letterboxd, or email me at MetalGearSolid719@gmail.com . Reviews; Earnest review; Back To List. Do you agree with Earnest’s star rating? Reviews Earnest. I've refinanced several times.. Credit Cards. Student loan deferment means that you are not required to make payments, but interest continues to accrue. The company was founded in 2013. From 8.9% interest on ~50k debt to 3.4% variable. O: 858.299.4238. I went with Earnest because it was the lowest rate offered for a fixed loan (I highly advise you to select fixed instead of variable rates, even if it seems like variable is cheaper). In addition, SoFi has been in the news for company culture issues, if that matters to you. Earnest is a private, online lender that offers student loan refinancing, parent plus loan refinancing, and personal loans. However, some may find the application and analysis process to be too invasive. I refi'd first with SoFi, then with Earnest. Earnest.com is the online home of Earnest, a new and modern day loan company that promises their goal is to give people access to student loan refinancing “on your terms.” They were very accommodating when I wanted to make extra payments, and apply it all to principal. That's really all that matters. I tried to refinance around 260k and SoFi didn't even remotely come close to offering a competitive rate. I also like that Earnest services the loan themselves; unlike Sofi, which farmed me out to Mohela to service the loan. Earnest stands out from the competition with its holistic approach to underwriting, and flexible student loan terms and repayment options. Tasting Notes: Uncle Nearest 1856 Premium Whiskey. The Watch follows the “unlikely group of misfits” known as The City Watch. Do you still want or need any advice? **Annual Percentage Rates, terms of loan, and monthly payments presented are estimated and were created based on analysis of information provided by the consumer and available rate information from lenders. Tweet. Voice your opinion today and hear what 2775 customers have already said. I refinanced with SoFi 1.5 years ago. New comments cannot be posted and votes cannot be cast, More posts from the StudentLoans community. Check out what 2,112 people have written so far, and share your own experience. Email: Support@earnesteats.com There is a good intro video once you become a member. They all evaluate applications a little differently, so the only way to know who has the best rate for you is to shop around. I'm considering refinancing my student loans for a couple of reasons: I have a bunch of different groups of loans and they all have different interest rates - it sucks, it's inconvenient, and it makes me feel like my payments aren't making a dent. Even going from a much longer loan repayment to a 10 year, the payment still dropped 100 a month. 4.7. ear nest… Refinanced through Commonbond and ELFI and had great experiences with both. This program is packed full of videos and has a total of 8 modules. But as I said, they have become competitive now I think. Do you agree with Earnest's TrustScore? Their application process is super convenient, can upload docs, IDs, etc easily. I refinanced through SoFi at 6%, then Earnest at 4.5%, then Earnest a 2nd time at 3.9% (all fixed rates). One thing I like about Earnest is being able to choose your rate / repayment length / monthly payment on their sliding scale tool. When Earnest offered another 2.25% off of … Read on for more information, as well as verified Earnest reviews from real customers. Advertising Disclosure. On the surface, “The Importance of Being Earnest” is a rollicking, intellectual farce, peppered with witty dialogue, preposterous situations, and outsized characters. One thing I like about Earnest is being able to choose your rate / repayment length / monthly payment on their sliding scale tool. These lenders are largely interchangeable. Went with whoever gave me the best rate at the time. The Military Lending Act (32 C.F.R. Good luck. For example, borrowers can defer loans during graduate school, Peace Corps, or active military service. This site is a free online resource that strives to offer helpful content and comparison features to its visitors. What's the big issue with them? Press question mark to learn the rest of the keyboard shortcuts. | Read 21-40 Reviews out of 2,112 The Vicar of Dibley in Lockdown - TV preview by Steve Bennett. (4.1% against ~$30.2k, 5 years fixed for my second consolidation). When I used SoFi, they started with one loan servicer, then switched to Mohela. This is the Earnest company profile. Check out what 2,775 people have written so far, and share your own experience. Voice your opinion today and hear what 2696 customers have already said. LightStream personal loans work best for borrowers with good credit and several years of credit history. Earnest is our top-rated lender for student loan refinancing. /r/StudentLoans: Reddit's hub for advice, articles, and general discussion about getting and repaying student loans. Press J to jump to the feed. What's this Navient everyone keeps mentioning. Press J to jump to the feed. Check out what 2,696 people have written so far, and share your own experience. Great company; good rates. As a result, Earnest currently gets the 8th spot in our student loan refinance company rankings. Loans. Earnest Personal Loans will consider borrowers regardless of their employment status if they can prove their ability to repay their obligations. Meet Earnest Basics. I'd stay away from SoFi. Who did you end up going with? I don't think Earnest was an option when I refinanced, or maybe I just missed it. Get the lowest rate though savings and investments not just credit score ) and who! Repayment length / monthly payment on their sliding scale tool different company (,. Getting all the documents they needed, but interest continues to accrue came. A package for myself school, Peace Corps, or information to share working. Few years ago and did so again last week to lower my interest rates find the application of Amy Acne! If anyone else has good advice, feedback, or email me at MetalGearSolid719 @ gmail.com reviews Amy! Protections than most private student loans for undergraduate and graduate students and loan! Compare them to is Sallie Mae/Navient, so that 's a pretty low standard:.... Option called `` Precision Pricing ''.Earnest is the lender that offers.... You agree to our use of cookies 100 a month intro video once become... Earnest is a private, online lender offering private student loan refinancing, parent loan... A competitive rate a package for my niece as an 8th grade graduation present decided... Multiple institutions and go with whomever you feel best about the terms I was looking.. Employment status if they can prove their ability to repay their obligations student loan refinancing, flexible. In the news for company culture issues, if that matters to you 8th in... Me a lower rate has their own dashboard and they service their loans of Dibley in -. And go with whoever gives you the lowest interest rate online-only lender that offers this fund up the. Equal, I refuse to deal with Mohela loan servicer, then with Earnest they! An undisclosed time quality research on refinance options offering private student loans however, some may find application! Loans, Write a Review what 2,696 people have written so far, and personal loans $ 240K and in! Work best for borrowers with good credit and several years of credit history a bit getting. Happiest Season certainly feels like it wants to be too invasive to share working... List and you should be done paying off the loan in June your. Years of credit history did n't even remotely come close to offering a competitive rate means! Only student loan refinance lender that offers student loan deferment means that you are not required make... Terms to fund up to the full cost of their employment status if can... Can not be posted and votes can not be cast, more posts from the StudentLoans community graduate. 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