Ricky Said:

Can refinance my student loan through MY bank?

We Answered:

If the bank will allow it. But I doubt it, it depends on how much you owe and how good your credit is. It would likely be set up as a signature loan,,, and not a student loan. Meaning this would be bad for you, you could not deduct the interest you pay on your taxes, you could no longer defer payments for hardship circumstances or going back to school. If they are federal loans, you could not have them forgiven if you become disabled or die. Don't do it. It doesn't help you any to refinance... except maybe make your interest rate higher.

Agnes Said:

If you are a non-US Citizen/Permanent Resident, what are your options to refinance an existing student loan?

We Answered:

Contact a private bank and ask their about policies and procedures. Wachovia's and Bank of America's websites probably list their 24 hour numbers.