 TITLE: Is It Easy to Refinance Student Loans? CONTENT: Improve Your Chances of Getting the Best Terms\n----------------------------------------------\nIf you've decided that student loan refinancing is right for you, it's important to take steps in advance to maximize your savings. Check your credit score to get an idea of where you stand, and also review your credit report to see whether you need to address potential issues.\nThis may include paying down credit card balances, getting caught up on late payments or simply being patient as your good credit habits increase your score over time.\nYou may also consider getting a cosigner, but make sure they're aware of their responsibilities in the arrangement and how it can impact their credit.\nAlso, if you're thinking about getting a cosigner, consider refinancing with a lender that offers a cosigner release program. This feature allows you to remove a cosigner after you've paid on time for a predetermined period of time and you can meet the lender's eligibility requirements to qualify for the loan on your own.\nBefore you make the decision to move forward, though, carefully consider what you'd be giving up if you have federal loans. While it can be tempting to get better terms right now, you may end up regretting it if you need those federal benefits in the future. END