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Some providers with variable rates will cap them, which can help temper some of the risk.If you go to other sites they may claim to compare several student loan offers in one step.However, make sure you include the following in any decision: Many lenders have no fee, which is great news.If there is an origination fee, you need to make sure that it is worth paying.But, if you can afford your current monthly payment and have been responsible with those payments, then a refinance could be possible and help you pay the debt off sooner.Like any form of debt, your goal with a student loan should be to pay as low an interest rate as possible.
Instead, you should look at options to avoid a default on student loan debt.
Check the Federal loan repayment estimator to make sure you see all the Federal options you have right now.
If you can afford your monthly payment, but you have been a sloppy payer, then you will likely need to demonstrate responsibility before applying for a refinance.
So set aside a day and apply to as many as you feel comfortable with to get a sense of who is ready to give you the best terms.
Here are more details on the 5 lenders offering the lowest interest rates: So Fi (read our full So Fi review) was one of the first lenders to start offering student loan refinancing products.