💸 Dropped my student loan rate from 6.1% → 3.45% (while SAVE is paused)

Just Sharing what worked for me in case it helps someone else.

I refinanced my student loans and dropped my rate from 6.1% to 3.45% — saving on interest every month and speeding up my payoff. On top of that, I received a $200 bonus after refinancing.

With SAVE currently on pause and interest accruing daily, I didn’t want to keep waiting while my balance grew.

I used Earnest and the process was smooth and straightforward. If you’re shopping rates, the referral link above gives a $200 bonus if you refinance (no pressure).

Happy to answer questions or share what I considered before refinancing. Student loans are rough — hoping this helps someone save real money.

https://www.earnest.com/invite/jin107