Federal student loans consolidating again

The new loan, even though it was originally a federal loan, is a private loan in every way.

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The news is worse for borrowers who refinanced or consolidated their federal student loans..

The good news for some borrowers is that there are a number of steps between rate shopping and the point of no return.

Additionally, a second refinance can fix some errors.

Lenders offer these services because they think they can identify the lower risk and more profitable borrowers.

The refinance process normally starts with a borrower checking interest rate offerings of various student loan refinance lenders.

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