Saving for retirement at a young age, even small amounts, can go a long way. By refinancing student loans with Earnest you can open up extra money to put towards retirement, something you might not have thought possible before. Save now and get an exclusive $200 cash signing bonus.
Say you’re paying off a $100,000 loan over 10 years at a 7.5% APR, your monthly payment would be $1,187. With Earnest, you may be able to bring that APR down to 4.7%. This will reduce monthly payments by $141, a savings of $1,692 annually. Earnest offers the lowest refinance rates by looking beyond your credit score to things like education, job, and earning potential, helping you find additional money for retirement savings.
- With autopay, rates start at 2.13% APR variable and 3.50% APR fixed
- Free, radical repayment flexibility - change your terms, customize your payment to your budget, change payment dates, even skip a payment and make it up later
- Unemployment protection - pause payments when in between jobs
- No origination, application, or prepayment fees
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