To refinance or not - that is the question. The arena of student loan refinancing can be a confusing one. Even if you can nab a lower interest rate by doing a refi, it still might not be your best move. There are a lot of important things to consider before you go through with a private refinance of your student loans. First things first, when I say refinancing I mean taking your federal student loans (or your existing private student loans) and replacing them with a new priv