Should you refinance your student loans?

Use this decision tree to see if this repayment option makes sense for you.

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Important: If you refinance federal loans, they become private loans (permanently) and you lose access to federal loan benefits, including subsidies, income driven repayment plans, and forgiveness programs like Public Service Loan Forgiveness (PSLF) and teacher and military loan cancellation. Also, if you’re thinking about going back to school, or are uncertain about your job security, federal loans typically have more flexible provisions to allow for deferment or forbearance for extended periods of time.
*Public Service Loan Forgiveness (PSLF) is a federal program created for those in public service jobs, offering the opportunity to have their federal loan balances forgiven after 120 qualifying monthly payments—tax free! The information provided here is for educational purposes only and is not intended to provide financial or legal guidance.
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