MeetEarnest VS Student Loan Hero

If your student loan is a private loan, then you seriously need to refinance the next time you have 30 minutes of free time. Look through earnest.com, credible.com, and sofi.com. If you find a cheaper rate at credible, don't sign up there but visit the actual company's website as credible is an aggregator of sorts and you should get a slightly lower rate going through the actual site. You might want to look at... Source: almost 2 years ago

Sofi.com/ey, .375% rate discount when you refinance. Although tbh Earnest has given me the best refinance rate I could find. Source: over 2 years ago

You can switch plans but each time you do, the interest capitalizes. If you are getting forgiveness it will be discharged regardless at 120 payments but it's worth knowing. You can compare and estimate payments for plans here https://studentloanhero.com/ which should give you ballpark figures. Source: almost 2 years ago

When do you finish school? If you have loans with multiple levels of forgiveness, consolidating will bring them all to the highest count. At this point it needs to be done before October. I wouldn't consolidate the Perkins loans because qualify employers can allow you to defer and forgive a percentage annually until they're forgiven over 4 years. I think the only disadvantage is that if you were to pursue an... Source: almost 2 years ago