Has anyone refinanced their student loans? I have 50k from college and I like the variety of payment plans on fed loan but the I think I could get a better interest rate elsewhere (6.5 current).

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My best friend did. He went from about the same as you, 6.5, down to 4 percent. This was at a regional bank

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Be careful, if you refi you won't have the federal protections, income based pay back, etc.

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That's what I'm worried about. I have been aggressively paying it off but the interest on one of my loans is so much each month it kinda takes the wind out of my sails.

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There are a bunch of startups that specialize in exactly this. Most of them refinance graduate loans, since they carry a higher interest rate.

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No way was I giving up the unemployment protection ...Because you never know.

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I was able to refin with sofi and had a co-signer got 13k down to a 2.5% variable rate 5 year loan

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^Most people in our profession don't use the income based repayment. That ends with you having loan foregiveness at the end of 20 years.

At that interest rate it's worth going for a 4 to 5% rate without the protections.

My rate is between 4-6.5% on my loans. Sofi refi rate was 6.5% for all of my loans, so I passed.

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