Can You Refinance a Portion of Your Student Loans?

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Editor’s note: Lantern by SoFi seeks to provide content that is objective, independent and accurate. Writers are separate from our business operation and do not receive direct compensation from advertisers or partners. Read more about our Editorial Guidelines and How We Make Money.
How the New Federal Student Loan Forgiveness Plan Affects Refinancing
How to Partially Refinance Your Student Loans
Pros of Partial Refinance
Maximize Interest Savings
Stay in the Federal Emergency Forbearance
Retain Access to Federal Repayment Plans and Programs
Remain Eligible for Federal Forgiveness Programs
Take Over a Student Loan From Your Parent
Separate Out Student Loans After a Divorce
Cons of Partial Refinance
Won’t Achieve Full Consolidation
Potentially Miss Out on a Low-Rate Environment
The Takeaway
Frequently Asked Questions
Photo credit: iStock/Daniel de la Hoz
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About the Author
Rebecca Safier has nearly a decade of experience writing about personal finance. Formerly a senior writer with LendingTree and Student Loan Hero, she specializes in student loans, financial aid, and personal loans. She is certified as a student loan counselor with the National Association of Certified Credit Counselors (NACCC).
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