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Don't be like the person in this tweet! Earnest Referral Code

 



I came across a tweet that perfectly captures the frustration many borrowers feel:

“In 2012 I graduated with $180,000 in student loans. I’ve been paying for 11 years. I now owe $206,000.”

That’s not a typo. After 11 years of payments, the debt grew by $26,000.

If you’ve got student loans, you know this pain. And here’s the truth: it’s not about how hard you work, it’s about how smart you play the system.

The real secret? Refinance every time rates drop.

That's the game-changer. And the best place to start is with Earnest.

Step One: Refinance with Earnest and Get $200

Earnest is one of the top-rated student loan refinancing companies out there—4.7 stars on TrustPilot. They make it easy to refinance, and most importantly, they let you refinance as often as you want when your credit improves or rates drop.

Use this link to get started and you’ll get $200 after your loan is disbursed:

👉 https://www.earnest.com/invite/scott4488

Or, if you're applying directly through their site, enter referral code: scott4488 during your application.

Step Two: Monitor Your Credit with CreditKarma

After refinancing, sign up for a free account at CreditKarma.com. Every few months, check in. If your credit score is up and interest rates are down, refinance again.

Yes, it’s allowed. Earnest encourages it. There are no penalties for refinancing multiple times. That’s the strategy — you strike every time the numbers make sense.

Why This Strategy Works

The borrower in that tweet? They probably never refinanced. Or they refinanced once and assumed that was enough.

But interest rates aren’t fixed forever. When they go down and your credit improves, your loan terms should too.

By refinancing repeatedly over the years, you can dramatically cut the interest you pay and start making real progress on your principal.

Bonus Tip: Still in School? Even Better

If you're still in school, refinancing with Earnest is a power move. You’ll get a 9-month grace period after you graduate before payments even begin. That’s extra time to land a job, get settled, and stay ahead of interest.

Final Thoughts: Don’t Be the $206K Tweet

The system is designed to trap you in interest payments. But you don’t have to stay stuck.

The strategy is simple:

  1. Refinance with Earnest and get $200.

  2. Monitor your credit.

  3. Refinance again when the timing is right.

  4. Repeat.

👉 Click here to refinance with Earnest and get $200

Or enter referral code: scott4488 during your application.

Don’t wait until your debt grows. Take control and start paying less today.

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