I used EDvestinU to refinance my student loans. They were massive and seemed extremely daunting. Even though, I still have to pay the money back, having a MUCH LOWER APR rate gives me a lot less stress and financial burden for myself and parents. They also made a great effort to talk to me and get to know me. I was going through Sallie Mae, and they never ever contacted me, were not ever super helpful and basically just wanted their money. I feel better knowing my money is going through here. Obviously, things can change with this company in the next 10-30 years but as of now from a 23 year old, I feel better going through here.