When you already have private student loans, refinancing can be a great way to reduce your cost over time if you can obtain a lower interest rate. If you have federal student loans and you are wondering if refinancing into a private loan makes sense for you, refer back...

If you have a very HIGH debt to income ratio, meaning your student loan balance is more than your income (especially when it gets to the level of 2x income +), your repayment strategy should consider relying on income-based federal forgiveness programs. In short, what...

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