When (and How) to Try Refinancing or Consolidating Student Loans

Friends, does this sound familiar?: You’re describing the crushing emotional and financial burden of student loan debt, and the grown-up you’re speaking to says something like, “Wow, that sounds really rough, have you thought about *refinancing* and also ma’am this is a Wendy’s?” And having no idea what the fuck that actually meant, you drove forward to the next window, dabbing at your eyes with the crumpled receipt for your vanilla Frosty, weeping in confusion and sadness and brain freeze?
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