{"id":36183,"date":"2026-04-25T13:56:30","date_gmt":"2026-04-25T13:56:30","guid":{"rendered":"https:\/\/indafunds.com\/?p=36183"},"modified":"2026-04-25T13:56:31","modified_gmt":"2026-04-25T13:56:31","slug":"refinance-your-student-loans-to-save-money","status":"publish","type":"post","link":"https:\/\/indafunds.com\/?p=36183","title":{"rendered":"Refinance your student loans to save money"},"content":{"rendered":"<div>\n<p>If you\u2019ve got student loans hanging over your head, you know just how hard it can be to pay them off\u2014especially if you\u2019ve got an interest rate higher than the Empire State Building slowing down your progress.\n    <\/p>\n<p>But one way you can accelerate your debt payoff\u2014and save yourself a ton of money in interest\u2014is by refinancing. (Yep, it\u2019s the only kind of \u201cfinancing\u201d we\u2019re cool with.) And chances are you\u2019ve wondered at least once, <em>Should I refinance my student loans?<\/em>\n    <\/p>\n<p>We\u2019re here to answer all your questions around student loan refinancing and help you decide if it\u2019s right for you\u2014so you can get rid of your student loans once and for all!\n    <\/p>\n<h2>How Does Student Loan Refinancing Work?<\/h2>\n<p>Student loan refinancing is when you take your private loans\u2014or a combination of federal and private loans\u00ad\u2014and turn them into a new loan. But keep in mind, refinancing can only be done through a private lender.\n    <\/p>\n<div class=\"BlogInsert-copy\">\n<p>Pay off debt fast and save more money with <em>Financial Peace University<\/em>.<\/p>\n<\/p><\/div>\n<p>Here\u2019s how it works: The private lender pays off your current loan balances and becomes your new lender. At that point, you\u2019ll have a new loan with a new interest rate and new repayment terms. The goal here is to get a better interest rate or to combine multiple loans into one payment.\n    <\/p>\n<p>But what if you only have federal student loans? With student loan relief ending sometime in 2023, we know you might be looking for a way to soften the blow of payments starting back up again.\n    <\/p>\n<p>While you can\u2019t refinance your federal student loans through the government, you can do so through a private lender (and yes, that includes Parent PLUS Loans). But you\u2019re not guaranteed to get a lower interest rate on your federal loans when you refinance. Plus, you\u2019ll lose access to federal relief programs and other rights that protect federal borrowers.\n    <\/p>\n<p>So, if you\u2019re struggling to keep up with multiple federal student loan payments, you\u2019re better off looking into student loan consolidation instead (which we\u2019ll get into next).\n    <\/p>\n<h3>Consolidation vs. Refinancing<\/h3>\n<p>Consolidation and refinancing are kind of like the Jonas brothers\u2014they\u2019re related, but different. The goal with consolidation is to roll multiple loans into one loan. The goal with refinancing is to get a new interest rate (though you can also consolidate your loans through a refinance).\n    <\/p>\n<p>Whether or not you should consolidate depends on what kind of student loans you have. Federal loans can be consolidated for free through the government with what\u2019s called a Direct Consolidation Loan, while private loans (or a mix of private and federal) have to be consolidated by refinancing with a private lender. But student loan consolidation isn&#8217;t the right choice for everyone\u2014even if you\u2019ve got multiple federal loans.\n    <\/p>\n<h2>When You Should (and Shouldn\u2019t) Refinance Your Student Loans<\/h2>\n<p><em>My student loan interest rate is too high. My variable interest rate is making it hard for me to budget. At this rate, it\u2019s going to take me forever to pay off my student loans.<\/em>\n    <\/p>\n<p>Sound familiar? If so, refinancing might be a good option for you. But there are a few boxes you need to check off first to be sure.\n    <\/p>\n<p>You should only refinance your student loans if:\n    <\/p>\n<ul>\n<li><strong>It\u2019s 100% free to refinance.<\/strong> Application or origination fees could cancel out any savings you might get in the end.<\/li>\n<li><strong>You can get a lower interest rate.<\/strong> The whole point of refinancing is to get a lower interest rate. Lenders may try to tempt you with a lower monthly payment instead. But if your interest rate is the same or higher, you\u2019ll only end up paying more in the long run (not cool!).<\/li>\n<li><strong>You can keep a fixed rate or trade your variable rate for a fixed rate. <\/strong>The last thing you want to do is give your lender the option to jack your monthly payment way up without notice!<\/li>\n<li><strong>You don\u2019t have to sign up for a longer repayment period.<\/strong> Anything that pushes your debt-free date further into the future is an absolute no-go. And if the new loan shortens the term of repayment, that\u2019s even better!<\/li>\n<li><strong>You don\u2019t need a cosigner.<\/strong> Cosigning for a loan is always a bad idea\u2014for both the person seeking a loan and the person cosigning. Why? Because it mixes money into relationships. That\u2019s usually a toxic mess. Imagine getting your Uncle Ralph to cosign for your refinance, then hearing him bring it up at every family gathering until it\u2019s paid. That could get really ugly.<\/li>\n<li><strong>You haven\u2019t recently declared bankruptcy.<\/strong> Most lenders aren\u2019t as willing to offer a refinance after bankruptcy. If that\u2019s you, you\u2019re probably hurting in more ways than a refinance can solve. You may want to start by talking to a financial coach who can help you navigate your specific situation and get you back on your feet.<\/li>\n<li><strong>It will actually motivate you to pay off your student loans faster.<\/strong> Just because you get a lower interest rate and a shorter term, don\u2019t let it be an excuse to slow down. This isn\u2019t a set-it-and-forget-it sort of thing. Even if you refinance, the goal is to pay off your student loans ASAP.<\/li>\n<\/ul>\n<h2>Do You Qualify for Student Loan Refinance?<\/h2>\n<p>So, we\u2019ve talked about whether or not you should refinance your student loans. But do you even qualify? There are four things lenders look at to determine if you\u2019re eligible for a refinance:\n    <\/p>\n<ul>\n<li>A credit score of 660 or more (no, we haven\u2019t started liking FICO, but if you have loans, you have a score\u2014and 660 is the minimum to refinance)<\/li>\n<li>An annual income of at least $36,000<\/li>\n<li>A degree<\/li>\n<li>A low debt-to-income ratio<\/li>\n<\/ul>\n<p>If all those are true, refinancing your student loans might be a good choice. But even if you don\u2019t qualify for a refinance, you can still knock out your student loans faster than you think\u2014no matter your balance or interest rate!\n    <\/p>\n<p style=\"text-align: center;\"><img decoding=\"async\" loading=\"lazy\" alt=\"should I refinance my student loans?\" src=\"https:\/\/indafunds.com\/wp-content\/uploads\/2024\/11\/should-i-refinance-my-student-loans-infographic.jpg\"\/>\n    <\/p>\n<h2>How Much Could Refinancing Your Student Loans Save You?<\/h2>\n<p>So, let\u2019s do the math and see if refinancing is actually worth it. Imagine you have a $25,000 student loan with a variable interest rate that\u2019s currently sitting at 7%. You\u2019d probably like to get rid of it, but so far you haven\u2019t exactly been attacking the debt\u2014which means you\u2019re only making the minimum monthly payment of $225. At that rate, it\u2019s going take you 15 years to pay it off. That\u2019s nearly four presidential elections away (and that\u2019s if your interest rate doesn\u2019t go up)!\n    <\/p>\n<p>A refinance on the right terms could get things moving much faster in the right direction. Let\u2019s see what would happen if you found a lender who could refinance (with no fees) to a fixed rate of 5% on a 10-year timetable. Take a look at the difference:\n    <\/p>\n<table>\n<thead>\n<tr>\n<td>\n<p style=\"text-align: center;\"><strong>\u00a0<\/strong>\n    <\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\"><strong>\u00a0Original Student Loan<\/strong>\n    <\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\"><strong>\u00a0Refinanced Student Loan<\/strong>\n    <\/p>\n<\/td>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>\n<p style=\"text-align: center;\">Starting Balance\n    <\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\">\u00a0$25,000\n    <\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\">\u00a0$25,000\n    <\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<p style=\"text-align: center;\">Interest Rate\n    <\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\">\u00a07% (variable)\n    <\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\">\u00a05% (fixed)\n    <\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<p style=\"text-align: center;\">Monthly Payment\n    <\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\">\u00a0$225\n    <\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\">\u00a0$265\n    <\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<p style=\"text-align: center;\">Term\n    <\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\">\u00a0At least 15 years\n    <\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\">10 years\n    <\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<p style=\"text-align: center;\">Total Cost\n    <\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\">\u00a0At least $40,231 ($15,231 in interest)\n    <\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\">$31,902 ($6,902 in interest)\n    <\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>Wow! By paying an extra $40 a month, you\u2019re knocking the loan out five years earlier\u00a0<em>and<\/em>\u00a0saving nearly $9,000 in interest over that period. And guess what? Nothing\u2019s stopping you from throwing <em>more\u00a0<\/em>than the minimum at your debt after you refinance. In fact, that new interest rate and the closer payoff date will probably motivate you to attack your debt even faster. Refinancing can feel like going from dial-up to Wi-Fi!\n    <\/p>\n<h2>Should You Refinance Your Student Loans?<\/h2>\n<p>Even if you checked all the boxes we listed earlier, whether or not you should refinance your student loans really comes down to your specific situation.\n    <\/p>\n<p>There are a lot of student loan relief options out there, but most only slow you down and keep you trapped in debt <em>way longer<\/em> than you need to be. And while there may be times when you\u2019re not able to make the debt payoff progress you want, your goal should be to get rid of your student loans as fast as you can. Because the sooner you can get rid of them, the sooner you can stop stressing about them!\n    <\/p>\n<p>Refinancing your student loans can give you the push you need to pay off your debt. It can replace a variable rate and all of the worry it causes with a fixed rate and some peace of mind. It could also lower your interest rate, allowing you to save a lot of money as you pay your loan down. Or it could shorten the timetable for the life of the loan, moving your payoff date way up.\n    <\/p>\n<p>But refinancing is only one piece of the puzzle. You still need a proven plan like the debt snowball to attack your debt. (Oh, and a good budget. That\u2019s key!)\n    <\/p>\n<\/p><\/div>\n<p>Read the full article <a href=\"https:\/\/www.ramseysolutions.com\/debt\/should-i-refinance-my-student-loans\" target=\"_blank\" rel=\"noopener\" rel=\"nofollow\">here<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>If you\u2019ve got student loans hanging over your head, you know just how hard it can be to pay them off\u2014especially if you\u2019ve got an interest rate higher than the Empire State Building slowing down your progress. But one way you can accelerate your debt payoff\u2014and save yourself a ton of money in interest\u2014is by [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":36184,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"content-type":"","footnotes":""},"categories":[28],"tags":[],"class_list":{"0":"post-36183","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-news"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.2 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Refinance your student loans to save money | Inda Funds<\/title>\n<meta name=\"description\" content=\"If you\u2019ve got student loans hanging over your head, you know just how hard it can be to pay them off\u2014especially if you\u2019ve got an interest rate higher than\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, 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