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Refinancing your student loans to a private lender at 4% when you're paying 6% looks like free money — and for high-income borrowers with stable jobs, it often is. But the moment you refinance federal-style loans, you trade away income-driven repayment, forgiveness programs and deferment — protections that are nearly impossible to get back. This guide runs the two questions that decide the deal: can you genuinely afford the fixed payments, and are you sure you'll never need the safety nets?
savings projection
Income-driven repayment, loan forgiveness eligibility, deferment and forbearance options — federal protections that private loans don't offer.
When your income is stable, your rate drops meaningfully (typically 1%+), and you have no realistic path to forgiveness.
Yes — many borrowers refinance the high-rate private portion and keep federal loans federal, protecting the benefits that matter.
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