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I’m interested in this as well. I’ve heard you can refi to a better rate with a private loan, but private loans don’t give you the options that FAFSA has in regards to deferments, and that one program where you only have to pay 10% of your salary - I’m not sure, so if anyone can confirm. Also, keeping loans in FAFSA loans means there’s a small chance the Dems might forgive them one day 🤷♀️