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Interest rates on federal student loans can range from just under 4% to over 7%, depending on the type of loan.Private student loan rates can be even higher, averaging around 9% to 12%.

The first thing you need to decide is what outcome you’re hoping for by refinancing student loans.

Under federal guidelines, affordable monthly payments are equal to 10 percent of your discretionary income.

Take a look at your budget and add up your bare-minimum monthly living costs.

This is the amount you owe to pay off student loans in full.

It’s higher than the current balance because it includes any interest you still owe.




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