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Refinance timing for undergrads

Why most current undergrads should wait before refinancing and what to check once graduation is closer.

June 9, 20261 min read

Refinancing can lower a rate, but doing it too early can cost you federal protections that still matter while you are in school. Timing is the real decision, not just the rate quote.

Use this guide to decide when a refinance check is worth running, which balances are safest to compare, and what income stability should look like before you trade flexibility for a lower rate.

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See the real gap across your schools

CollegeLens walks through your award letters the same way this guide does, then compares what you would actually pay at each school.

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