So that means once you refinance, you will no longer able to take advantage of programs available to federal student loan borrowers, such as income-based repayment, deferment/forbearance and loan forgiveness (available to borrowers working in public …
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source https://studentloanforgiveness.com/paying-back-student-loans-how-refinancing-your-loans-can-save-you-big-bucks/
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