If you are refinancing private student loans, there are a number of criteria that your lender will need to consider before approving the loan. To start, you will probably need to undergo a credit check. In addition, your lender will consider the types of student loans you are interested in refinancing. Keep your government serviced loans separate from those through a private lender. The federal loans often have other benefits and a lower interest rate that you don’t want to lose. Comparison shop before you settle on a lender to refinance your loans for you to get the best interest rates and terms.

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