The Asked

Chapter 03 — Money & Finance

Should I refinance my student loans?

Only federal-to-private if you're confident you won't need income-driven repayment, PSLF, or forbearance. The rate savings often aren't worth losing those protections.

Follow-up questions

Is forgiveness real?

PSLF is functioning and forgives federal loans after 120 qualifying payments in public-service work.

Best refi lender?

SoFi and Earnest usually have the best rates for prime borrowers.

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