I picked Earnest to refinance my student loans because it was highly rated. the process was easy/quick and my interest rate was lower than other companies but now I regret it because I have had nothing but horrible customer service. Earnest will say we would like to provide you with excellent customer serivce but my 10 day loan payoff was over 60 days and the communication I receved was poor and misleading. If you are considering Earnest, I would go with another company, lower rates isn't worth the headache of their poor service.
First off, it took 1.5 months to fund my loan due to their finance department being backed up. Secondly, this company does not have the "capabilites" to apply additional payments to the principal portion. Some servicers make you allocate but this servicer doesn't even allow you to. I have found no help from customer service.