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Refinancing student loans to a lower interest rate can help you save thousands of dollars. Just beware that if you have federal loans, refinancing to private loans may result in losing protections like special repayment plans that can help you in a time of need. Make sure you can comfortably afford your new payments if you refinance. And take the time to get rates from several providers. You can 'rate shop' for about 30 days and have only one inquiry show on your credit report.
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