4 instances when student loan refinancing doesn't make sense [Yahoo! Finance]
NerdWallet, Inc. (NRDS)
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Source: Yahoo! Finance
Refinancing makes sense if your credit score and income are 'high enough to qualify you for a lender's lowest interest rates'. | Credit: Pla2na / Getty Images Student loan refinancing is often billed as a way to expedite and simplify student loan repayment. And it certainly can be: By replacing your existing loans with a new one, you can potentially score a lower interest rate, and you will have just one payment due date to keep track of. But refinancing is not the right strategy for everyone. In general, it's a move that tends to make sense if you have private student loans and if your credit score and income are “high enough to qualify you for a lender's lowest interest rates,” said NerdWallet . However, in the following four instances, you may want to reconsider or at least think twice. 1. You have federal loans and may want those benefits While technically you can refinance either private or federal student loans, refinancing federal loans is “riskier” because when you do
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