 TITLE: Should I Refinance or Consolidate My Student Loans? CONTENT: Is It a Good Idea to Refinance Federal Student Loans?\n-----------------------------------------------------\nPrivate student loans don't offer the same flexibility federal student loans do. Because you'll lose access to all of the benefits that come with federal loans, refinancing federal loans can be a big gamble.\nBut it could be worth refinancing if you have a strong income and job security and know you won't have to rely on federal loan benefits. Plus, if you have both federal and private loans, you could just refinance your private loans only. An honest evaluation of your whole financial picture will help you make the decision that's right for you. END