You may be wise to hold some XRP for July 1. While CredEarn allows the loans themselves to be rolled into another six-month term upon maturity, I figure the first mid-term payment of interest (in USD) you will not be able to use until the next loan date two weeks later. The deadline will have passed, since we basically have to set those up the day before.
You have a month's head start on me setting up these loans, and I am looking at this as a six month ladder, so I still have another 8 loans to initiate after this one, to make a total of 12...two per month for six months, before the rungs start rolling over. (Here's hoping with XRP earning me more interest, because the price is up.) Admittedly the first rung on my ladder is the heaviest, with more XRP in it than the rest combined so far, but I do want to be earning interest on principal (of at least $1500) every half-month, not just interest on interest, for the whole six-month term.