I did mine in 2001 when I finished gtad school with sallie mae. then again in 2003 when the tbill dropped down to record low. I ended up with 3.65. I know its not that low now, but its a heck of a lot lower than 8.5! Its based in the tbill each july. Probably sallie mae will tell you no, but the other companies will do it!!! there is a loop hole in the law which allows you to do it, Keep us posted. Goal Financial you can google.
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BK & Student Loans - Makes No Sense
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