Student loan refinancing rates are near record lows, but you may be waiting to take the plunge. It makes sense to stick with current student loan relief options that pause your federal student loan payments. That’s free money, more or less, and can help you get your finances in shape. But if that benefit ends…

Ryan Lane is a writer at NerdWallet. Email:

The article Get Your Finances Ready to Refi Student Loans originally appeared on NerdWallet.

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