Once you have your credit score you can start doing soft credit pulls on applications to see if you initially qualify for refinancing. (survivingstudentloans.com)
Credit card issuers use soft credit pulls to get a general idea of your creditworthiness, sort of like an estimate. (cardrates.com)
Keep in mind lenders will conduct soft credit pulls, which enables borrowers to review potential loan approvals without affecting their credit. (studentloans.net)