{"id":194,"date":"2022-09-22T09:31:45","date_gmt":"2022-09-22T07:31:45","guid":{"rendered":"https:\/\/oxfordwisefinance.com\/blog\/?p=194"},"modified":"2022-09-22T23:43:50","modified_gmt":"2022-09-22T21:43:50","slug":"should-you-refinance-after-student-loan-forgiveness","status":"publish","type":"post","link":"https:\/\/oxfordwisefinance.com\/blog\/should-you-refinance-after-student-loan-forgiveness\/","title":{"rendered":"Should You Refinance After Student Loan Forgiveness?"},"content":{"rendered":"<p><span style=\"font-weight: 400\">In August, the <\/span><span style=\"font-weight: 400\">Biden administration<\/span><span style=\"font-weight: 400\"> announced a new student loan forgiveness program for federal loan borrowers. Under the new program, borrowers with certain income restrictions could qualify for up to $10,000 of loan forgiveness, and borrowers with Pell Grants could qualify for up to $20,000 of forgiveness.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400\">Although seeing your balance drop by $10,000 to $20,000 can be a huge relief, you may still owe a significant amount of money. According to Experian, the average <a href=\"https:\/\/oxfordwisefinance.com\/blog\/whats-forbearance-on-a-student-loan\/\">student loan<\/a> balance was $39,487 in 2021. If you had that amount of debt and qualified for the maximum of $20,000 in forgiveness, you\u2019d still have to repay the remaining $19,487 \u2014 plus interest.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400\">Because most borrowers will still have a balance after student loan forgiveness, refinance options can help them manage their debt. However, <\/span><span style=\"font-weight: 400\">student loan refinancing<\/span><span style=\"font-weight: 400\"> isn\u2019t right for everyone, so it\u2019s important to understand the pros and cons.\u00a0<\/span><\/p>\n<h2><span style=\"font-weight: 400\">Who Is Eligible for Student Loan Forgiveness?\u00a0<\/span><\/h2>\n<p><span style=\"font-weight: 400\">Under the new program, borrowers are eligible for student loan forgiveness if they meet the following criteria:\u00a0<\/span><\/p>\n<ul>\n<li><a href=\"https:\/\/oxfordwisefinance.com\/blog\/low-earnings-loans-things-to-know-and-how-to-get-a-loan-with-low-income\/\">Income: Borrowers can qualify for the program if they earn<\/a> less than $125,000 per year ($250,000 for households).<\/span><\/li>\n<li><b><a href=\"https:\/\/oxfordwisefinance.com\/blog\/spotloans-get-a-short-term-loan-with-bluechip-apply-online-now\/\">Loans: <\/a><\/b><span style=\"font-weight: 400\">To qualify for loan forgiveness, borrowers must have outstanding federal student loans. The following loan types qualify:\u00a0<\/span>\n<ul>\n<li><span style=\"font-weight: 400\">Federal loans issued under the Direct loan program<\/span><\/li>\n<li><span style=\"font-weight: 400\">Federal Family Education Loan (FFEL) loans owned by the U.S. Department of Education<\/span><\/li>\n<li><span style=\"font-weight: 400\">Federal Perkins loans owned by the U.S. Department of Education<\/span><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p><span style=\"font-weight: 400\">Currently, FFEL and Perkins loans that aren\u2019t in default and are privately owned are not eligible for refinancing. The U.S. Department of Education said it\u2019s actively talking to private FFEL and Perkins lenders to find out if forgiveness will be possible for currently ineligible borrowers. However, borrowers that don\u2019t qualify can become eligible by consolidating their loans with a federal Direct Consolidation <a href=\"https:\/\/oxfordwisefinance.com\/\" target=\"_blank\" rel=\"noopener\">Loan<\/a> by December 31, 2023.\u00a0<\/span><\/p>\n<p><b><i>Tip: You can sign up for notifications to find out when the loan forgiveness application is available and other news by signing up with the <\/i><\/b><b><i>U.S. Department of Education.<\/i><\/b><b><a href=\"https:\/\/oxfordwisefinance.com\/blog\/11-best-vpn-services-of-2024\/\">&lt;i&gt;\u00a0&lt;\/i&gt;<\/a><\/b><\/p>\n<h3><span style=\"font-weight: 400\">Is There Student Loan Forgiveness for Refinanced Loans?\u00a0<\/span><\/h3>\n<p><span style=\"font-weight: 400\">Many borrowers may have taken advantage of <a href=\"https:\/\/oxfordwisefinance.com\/blog\/pros-and-cons-of-paying-off-trainee-loans-early\/\">student loan<\/a> refinancing to lower their interest rates or monthly payments. If you\u2019re one of those borrowers, you may be wondering if you\u2019re eligible for student <a href=\"https:\/\/oxfordwisefinance.com\/blog\/is-a-home-equity-loan-the-best-loan-for-debt-consolidation\/\">loan forgiveness if you refinanced your debt<\/a>.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400\">Unfortunately, student <a href=\"https:\/\/oxfordwisefinance.com\/blog\/possible-finance-bad-credit-loans-with-no-prepayment-penalties\/\">loan forgiveness for refinanced loans isn\u2019t possible<\/a>. When you refinanced your debt, you transferred the loans to a private lender. Under the new program\u2019s guidelines, private student loans aren\u2019t eligible for loan forgiveness.\u00a0<\/span><\/p>\n<h2><span style=\"font-weight: 400\">When Does It Make Sense to Refinance Student Loan Debt?\u00a0<\/span><\/h2>\n<p><span style=\"font-weight: 400\">Even if you\u2019ll <a href=\"https:\/\/oxfordwisefinance.com\/blog\/7-benefits-of-an-installation-loan-2\/\">benefit from student loan<\/a> forgiveness, refinance programs can still be useful. The new <a href=\"https:\/\/oxfordwisefinance.com\/blog\/refinancing-payday-loans-in-riverside\/\">loan forgiveness program is a one-time initiative, and it may not be enough to eliminate all of your debt so that student loan refinancing<\/a> can make sense in the following three situations:\u00a0<\/span><\/p>\n<h3><span style=\"font-weight: 400\">1. You Have Ineligible Loans<\/span><\/h3>\n<p><span style=\"font-weight: 400\">Like most college graduates, you likely have several <a href=\"https:\/\/oxfordwisefinance.com\/blog\/how-do-student-loans-affect-taxes\/\">student loans<\/a>. You may even have a mix of federal and private debt. If that\u2019s the case, you can benefit from the student <a href=\"https:\/\/oxfordwisefinance.com\/blog\/will-my-credit-rating-decrease-if-i-obtain-a-loan\/\">loan forgiveness program and refinance your private student loans to simplify your payments and potentially lower your interest rates<\/a>.\u00a0<\/span><\/p>\n<h3><span style=\"font-weight: 400\">2. You Earn Too Much Money to Qualify for Loan Forgiveness<\/span><\/h3>\n<p><span style=\"font-weight: 400\">Not everyone will <a href=\"https:\/\/oxfordwisefinance.com\/blog\/how-to-qualify-for-an-unsecured-loan\/\">qualify for the new loan<\/a> forgiveness program. You won\u2019t receive any <a href=\"https:\/\/oxfordwisefinance.com\/blog\/what-president-bidens-trainee-loan-forgiveness-program-way-for-your-taxes\/\">loan forgiveness<\/a> if you earn more than $125,000 per year \u2014 $250,000 for couples.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400\">If you have loans with high interest rates, you may want to <a href=\"https:\/\/oxfordwisefinance.com\/blog\/things-to-consider-before-applying-for-a-title-for-loans\/\">consider refinancing to potentially reduce the amount of interest you\u2019ll pay over the life of your loan<\/a>. However, remember that refinancing will transfer your federal <a href=\"https:\/\/oxfordwisefinance.com\/blog\/ace-loans-online-is-ace-cash-express-the-right-lender-for-you\/\">loans to a private lender<\/a>, so you\u2019ll no longer be eligible for perks like income-driven repayment plans.\u00a0<\/span><\/p>\n<h3><span style=\"font-weight: 400\">3. You Don\u2019t Qualify for Other Forms of Forgiveness<\/span><\/h3>\n<p><span style=\"font-weight: 400\">If you have a substantial amount of student loan debt \u2014 <\/span><span style=\"font-weight: 400\">about 6% if borrowers owe more than $100,000<\/span><span style=\"font-weight: 400\"> \u2014 the new loan forgiveness program will only eliminate a portion of what you owe. If you aren\u2019t eligible for other loan forgiveness programs, such as Public Service Loan Forgiveness or Teacher Loan Forgiveness, refinancing could be an <a href=\"https:\/\/oxfordwisefinance.com\/blog\/making-an-application-for-a-loan-online-vs-in-person-whats-the-best-and-trustworthy-option\/\">option to lower your interest rates and pay off your loans<\/a> faster.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400\">Use the <\/span><span style=\"font-weight: 400\">student loan refinance calculator <\/span><span style=\"font-weight: 400\">to see how refinancing can shorten your repayment time and save money.\u00a0<\/span><\/p>\n<h2><span style=\"font-weight: 400\">Refinancing Your Loans<\/span><\/h2>\n<p><span style=\"font-weight: 400\">If you weigh the advantages and disadvantages of refinancing your loans and decide to proceed with student <a href=\"https:\/\/oxfordwisefinance.com\/blog\/easy-online-loans-the-complete-guide\/\">loan refinancing, you can check your eligibility and loan options online<\/a> with ELFI\u2019s Find My Rate tool.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>In August, the Biden administration announced a new student loan forgiveness program [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":204,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"nf_dc_page":"","pagelayer_contact_templates":[],"_pagelayer_content":"","iawp_total_views":1,"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[142,148],"tags":[],"class_list":["post-194","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finance-business","category-student-loans","col-md-12"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Should You Refinance After Student Loan Forgiveness? 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