Por in general, US Student Loans must be refinanced as soon as possible. When you refinance, the lender replaces your old loan with a new one at a reduced interest rate. This can help you save money. over time, starting with your first payment.
if you can acquire a rate that changes your lifethat will determine when you should refinance your student loans.
For example, a $30,000 private student loan with an 8% interest rate would require monthly payments of $364 for a total of ten years.
You can save $46 a month when you refinance for 10 years at 5% interest, saving you a total of $5,494, enough to spend some money on your phone, cable, electric and other bills.
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