PSA: I just refinanced my student loans from sofi to citizens bank and was able to reduce my rate by about a full point. If you’d like, I’d be happy to give you my referral link. I would do this not because I like you, but because I would get a $500 gift card if you refinance more than 30k of loans. You also get a $200 gift card. If you don’t want my referral, I’d still say check it out because the rates were pretty great!

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Noice

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But serious q, I’m trying to figure out if I should refinance. When does one typically refinance? I am a 2020 grad (undergrad) with 24k federal student loans. Interest is from 2-5% (about 5 separate loans). Will I be able to get something lower?

Wait until the suspended interest expires on govt loans before you refinance. Interest is technically 0% right now. Take advantage

helpful

Mind sharing what rate you received? I'm at ~4% and haven't found anywhere to beat that unless I go to a 3-5 year loan which I'm too poor for.

Yep it’s 10yr @3.72%. ~32k of loan for me

helpful

Greetings all, apologies for potential misleading information. The referral link I am referring to is through credible (aggregator like lending tree). Citizens did provide the best rate for both my partner and I.

Ugh I’d totally do this if I weren’t planning on going back for the MBA soon.

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