I had a bill due I had a bill due, and no notice was given. I got a call from a rep, but they wouldn't even say what it was regarding and just ask for sensitive information with no guarantee who it was. I sure hope this isn't how you regularly conduct business. I would expect a call and an explanation, but won't hold my breath.

Private Student Loan Refinance I looked at several different companies to refinance my private student loans, but ended up choosing LendKey. I like that they use local banks and credit unions instead of large companies. They also offered me the best interest rate, and made the process of paying off my original lender very easy.

Great Decision I refinanced my student loans with LendKey and I could not be happier. I was able to get a fixed lower interest rate, consolidate my private and federal student loans, and did it all from my phone. The best part is I was able to knock 5 years off my previous payment plan with the help of LendKey

Lack of transparency and leaves you helpless When I refinanced, I initially accepted with LendKey because I was under the impression it was a fixed rate. Turns out that was not correct and now it has been steadily increasing every three months, I am not in the double digits of interest rates when I only accepted this refinancing because of the lower interest rates than my previous loan. Over the first year with them I paid over $12,000 and my loan only decreased by $3,000. Recently, I returned to school and went to request an in school deferment. The only option they provide is a forbearance which can only take place up to 18 months (shorter than the period I will be in school), and you are still expected to make some kind of monthly contribution to the loan. I feel as if though it will be impossible to pay off this loan ever with the continual increases in rates. I left Sallie Mae for this company because I thought the experience would be better, I was wrong.

Very Easy Company to Work With If I ever have any questions it is very easy to get in touch with someone and they can always answer my questions. I originally refinanced my loan in 2017 and then again when rates went down in 2020, an overall great experience.