Earnest

Earnest is the best choice for customized loan repayment with an exciting approach to underwriting based on earning potential and its precision pricing model.

While offering multiple loan repayment options and refinance loans at competitive rates for students and parents, Earnest is backed by student loan giant Navient. The lending company's unique underwriting approach factors in the client's earning potential to determine their interest rate and payments. Clients' degrees, credit scores, and history of on-time payments are the basis of your earning potential.

One offering of the Company is a "precision pricing" option, where:

· You have a choice over your loan repayment term depending on your ideal payment amount per month.

· Clients have one to three-month term length intervals between five and twenty years.

· Allows recent graduates or borrowers with a bad or unsatisfying credit history can qualify to refinance their loans elsewhere.

The requirement is a minimum loan balance of $5,000, or $10,000 if you reside in California, to refinance your student loan through Earnest. You are automatically approved for your entire loan amount once approved according to the Company, but you can choose to refinance less.