Is it worth trying to refinance my stay at home spouse’s student loans? We file taxes jointly and what’s left is mostly private loan debt.

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If private and you find a lower rate go for it? Why not? Public, maybe, it depends on whether you can actually benefit from any of federal loan benefits. Private Student loans refinance unlike mortgages rarely carry origination or closing costs, so other than a new account on your credit report not much harm

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Hell yeah fellow COVID-rate student loan holder!

If the rates are variable and/or high, whether public or private, I say absolutely. However, I wouldnt refinance lower-interest, fixed rate *public* loans.

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I refinanced with SoFi because of lower interest rates and their platform is easy to use. If the rate is better and you can make the payments, go for it.

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I had SoFi and refinanced again with Earnest because I got them down to a 4.25 rate. Think SoFi had me over 5

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If you’re in BL you’re probably ineligible for the student loan interest deduction, so the reason to do it would be for a better rate as others have suggested, not for any potential tax benefit.

Unless you have those COVID-rates (which are lower than anything market today) you should be aggressively paying those down. There may come a time where you want to leave BL, student loan debt is a lame golden handcuff…

As others have said refinance if you can get a better rate.

Also, keep in mind that if the loans are your spouse’s loans only, they’ll become yours as well if you refinance and you were to get a divorce. As things stand now, they would be your spouse’s only assuming she had them prior to the marriage. Not saying you shouldn’t do it because of that. I did for my wife’s loans and we paid them off, but you should be aware of that.

CA probably has the most extreme community property laws in the nation

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