Should I refinance my student loans?

Refinancing your federal and/or private student loans can be a great way to consolidate payments and potentially save money on interest over time. However, while there are numerous advantages to student loan refinancing, it may not be the best option for everyone.

So, when is the right time to refinance your student loans?

Best times to refinance student loans

You generally need to be in grace or repayment on one or more student loans after graduation or separation from school in order to refinance. Once you’ve reached that point, here are a few specific opportunities to consider:


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