@meraparenti: Also PSA this isn’t advice about whether or not you should refinance!!! Refinancing can be a great tool but it’s something you really want to think about. If you are interested in exploring your rates I do have referral codes for Earnest and SoFi (I have personally refinanced with both of them) comment or message me! #refinance #studentloans #studentdebt #doctorsoftiktok #mba