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Student loans

Federal vs private differences matter. Refinance only when benefits outweigh lost protections.

Content reviewed 2026-09-27 · Educational only, not financial advice.

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What to compare

  • Federal loans offer unique protections
  • Refi can lower rate with strong credit
  • Compare total interest, not only payment
  • Cosigners affect approval and APR

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Student loan refinance options

If you have stable income and strong credit, refi may lower total interest.

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