Anyone have experience with refinancing student loans?

You consolidated all of your federal student loans and want to refinance?

My experience (and gut) tells me that ya, that ain't going to happen at his point, but maybe I'm wrong.

So you want to get a better rate on something with no collateral? Ask a family member to loan you the money at 3% over 3-4 years. It is better than current rates they get on cash and saves you money. That's all I got.

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please. Just pay it off. if you have any decent salary - You could erase that in 2 years, 3 max

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Ya, I just read that too.

My God what I wouldn't do to only have that amount.

If you have a job and buckle down just a little bit, you'll be fine. You can still live a pretty normal life paying those off with an average income.

Sallie Mae sent me a message saying they are lowering my interest rate by 1% because I've paid on time for 3 yrs now. That's great, but it was the lower of my two loans and only moved the interest rate from 2.625% to 1.625%. I planned to pay it out for the full term regardless. I tried to get MOHELA to do it with my larger one that is at 6.125%, but they wouldn't do shite. Oh well.