Re-negotiating the Terms of a Student Loan A student loan refinance involves either re-negotiating the terms of your note or consolidating the debt. If you re-negotiate the terms, you usually can strike an agreement to lengthen the loan term in order to lower your payment. Therefore, you may be able to re-negotiate the monthly amount down by, say, $200 from what you were paying. Of course, you’ll be paying more in the long run as [...]
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