I keep getting ads and emails about how it can “save thousands,” but I’m not sure if it’s really worth it. Like, do you actually end up with a lower monthly payment, or is it just one of those things that looks good on paper but screws you later with fine print?
If you’ve refinanced your student loans - did it actually help? Or would you say it’s better to just stick with the original federal loans/repayment plan? Kinda scared of losing perks like deferment or forgiveness, but also tired of these interest rates eating me alive 😅