Interest and payments on federal student loans have been suspended since 2020 to provide relief from the economic impacts of the COVID-19 pandemic. However, the payment pause is scheduled to expire 60 days after June 30, 2023 at the latest.
The interest rate that you qualify for depends on factors like your credit score, the type of loan you’re seeking, and the loan’s repayment term. You may need to apply with a cosigner if you want to refinance with bad credit, or you can improve your credit before applying. How rates for student loan refinancing are determined
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