Where did you go to refinance loans and how hard is the process? I have never looked into it but after reading this it might be a good idea.
I am currently on a income driven plan paying $180 a month and owe $26K. But the interest rates aren't high; ranging from 3.15%-6.55%. I have one at the 6.55% and the next highest is 4.41%.
My credit score is just under 800 so I am not sure if I could get something better
Misspoke earlier, we are actually receiving $350 more in our refund this year. We also jumped up our salaries nearly $30,000 this past year so we jumped up a tax bracket
People freaking out about their refund being lower don't seem to understand they paid less in taxes during the year. We paid 3% less as a couple in taxes for 2018 and our return is only a few hundred dollars less and I claimed 1 when previously claiming 0.