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Idli Sambar with a twist of mutton 😁

Don in 2020
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I had fed loan. Never refinanced. I paid them off about 10 years after graduation 😮💨
Do you have a federal or private loan? I had a private loan so it was much easier for me to refinance. I also did it at about the two-year mark. I had proof of a steady income and my cred score was about 650. Didn't have any issues at all.
If only refi private loans. Best to leave federal loans alone