I have to wonder about some of the poor reviews, because I was able to get three Dept. of Education loans and one through Northwestern University paid off nearly right away. I went with a variable rate to save money because I don't have that many years left. When my rate started climbing (thanks, Fed!), I was able to refinance to a lower rate now that I'm a better credit risk a year and a half in. Just being able to refinance (every six months, for Earnest) is a miracle for student loans.
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.