If you can lower your interest rates, more of your money can be used to reduce your debt, instead of paying off only your interest.
Refinancing doesn’t guarantee lower payments, but it could help you get a lower interest rate and enable you to pay off your loan faster.
Refinancing your loans can lower your interest rate and your monthly payment.
Juggling multiple student loans can be complicated, especially if you’re making payments to different loan servicers.
If you have federal student loans and a) have too many different payments to keep track off or b) would like to qualify for different repayment plans like income-driven repayment or Public Service Loan Forgiveness, consolidation might be a good idea!
Consolidating your federal loans will give you the opportunity to consolidate multiple loans into one (lower) monthly payment, and also let you choose a new repayment term and repayment plan.
However, because refinancing takes place with a private lender and not the federal government, you can a consolidated loan, as long as you refinance the entire amount.
Remember, since you’re refinancing a federal loan with a private lender, you will lose any federal borrower benefits that came with your loan, such as access to income-driven repayment, deferment, or forbearance, which are not always available from private lenders.
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