I consolidated grad loans in ‘15, kept federal separate from private (w SoFi @6.75%). Can I refinance w SoFi or w Earnest? Should I combine the federal and lose the protections for better %?

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How much you got left in each

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87K Private, 116k federal

Current Earnest rates are as low as 2.14% for variable rate and 3.45% for fixed. If interest on any of your loans are greater than that, refinance. It should be a pretty slam dunk decision.

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I would refinance all of it. That’s a lot.

SoFi started off as a well intentioned disruptive company but nowadays they are no better than others. They also got naming rights for the new LA football stadium for over $20M

Hey OP - I’ve been looking into this as well. First Republic Bank is offering some really strong rates hovering around 4% for a refinance. I’m also looking into the option of taking a HELOC. But definitely open to advice from others in this bowl (im a newbie to FIRE 🔥 )

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Mentioning the programs is greatly appreciated.

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