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Refinance Private Student Loans

Sonia Said:

If I can afford my student loans does it pay to refinance or consolidate?

We Answered:

First off, you can't consolidate private and federal loans. Also, consolidation is almost never a good idea because it will lengthen the time you pay off your debt. So even if your rate is lower, you pay on it for 20 years (for example) instead of the 10 years left on the loan you haven't consolidated.

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