{ "media_type": "text", "post_content": "If I have a good credit score can I refinance my federal student loans to a better rate? Right now I'm at like 6% and I feel like that's high...", "post_id": "5835b22043118300160ea95a", "reply_count": 9, "vote_count": 2, "bowl_id": "552d1d24dc1c586b09d2d051", "bowl_name": "Consulting", "feed_type": "crowd" }

If I have a good credit score can I refinance my federal student loans to a better rate? Right now I'm at like 6% and I feel like that's high...

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Look at Earnest and Sofi - I got mine down to 3.21%


I got a fixed rate from SoFi at 4.3%.


I have fair credit at best, and was able to refi my two largest and highest interest private school loans (no cosigner) from 10% to 6% thru SoFi.


Commonbond. I'm at 3.4%

Does it make sense to do this if I plan on paying them off within the next two years? Only ~$15k left

@OP. Why not? You're still saving at minimum 1% and there are no origination fees with sofi.

Would it have a slight impact on my credit score because it would count as a new account similar to opening a new credit card

Do it

Don't worry about your credit score. People freak out of that way too much.

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