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"Right now rates on Staffords are high (I think 6.8% fixed), but they may get cut in half if the new Congress has its way".

Caromero,

Great input. My question is; can you refinance or reconsolidate more than once? I am going to start paying back my wife's student loans in June, 45K @ 7.14%. I am looking to refinance or consolidate these loans right now however, If these rates drop I will definately take advantage. I have been getting mixed feedback on this topic.

Thanks,

Steve
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