If you're near the end of the terms of a loan, you may not save money by refinancing. (creditsesame.com)
After graduation, your income and credit history may allow you to save money by refinancing government loans at a better rate with private lenders. (credible.com)
If you have excellent credit and a stable job, you can probably save money by refinancing existing federal or private student loans. (nerdwallet.com)