Earnest
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Earnest streamlines the refinancing process with a rate calculator that adjusts based on your full financial picture. The lender, now owned by Navient, focuses on giving borrowers choice in how they structure their payments, from aggressive payoff plans to longer terms that lower your monthly bill.
Once you refinance with Earnest, you can adjust your monthly payment up or down if your situation changes. This flexibility appeals to borrowers who want options beyond a single fixed payment plan.