In regards to monthly payments, Earnest lets you increase payment at any time (to speed up repayment), make optional bi-weekly payments (to save on interest), make early or extra payments (without fees), and even skip a payment which you can make up later. Earnest does not have prepayment penalties, origination fees, nor application fees. Earnest has been in the student loan refinancing space for a while and they know how to get you the best rate you deserve. Are you ready to take control of your student loan debt? See what refinancing or consolidating your student loans with Earnest can do for you. Refinance your student loans with Earnest today.