Like any form of debt, your goal with a student loan should be to pay as low an interest rate as possible.

Other than a mortgage, you will likely never have a debt as large as your student loan.

But, if you are going to be paying your loan for a long time, a fee may be worth paying.

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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.

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.

We help you strategize to repay your loans as quickly as possible, while reducing the overall interest you pay.

Our proprietary Power Calc™ tool fully analyzes every loan and only suggests refinance for those loans benefiting you. Our knowledgeable education finance consultants will be happy to help you.

We recommend you start here and check rates from the top 4 national lenders offering the lowest interest rates.

These 4 lenders also allow you to check your rate without impacting your score (using a soft credit pull), and offer the best rates of 2017: You should always shop around for the best rate.

Don’t refinance Federal loans unless you are very comfortable with your ability to repay.

Think hard about the chances you won’t be able to make payments for a few months.

You may be looking for ways to refinance your student loans at a lower interest rate, but don’t know where to turn.