Using the refinancing ladder strategy can help student loan borrowers get out of debt much faster. In this episode, learn how the refinancing ladder works for refinancing student loans — and how to decide if refinancing is right for you. In today’s episode, you'll find out: • What is the refinancing ladder strategy? • When is refinancing a good decision? • Why you shouldn’t refinance federal loans too soon • What, exactly, is student loan refinancing? • How student loan refinancing differs from other refinancing • How Student Loan Planner’s cash-back bonuses work • The differences between short-term and long-term refinancing • How to calculate your payment with various loan terms • How many times do people generally refinance? • How to use the refinancing ladder strategy • Should you go with a variable or fixed rate? • How historic refinancing rates compare to the rates of today • How variable rates are calculated • Why don’t more people refinance their student loans? • Why putting off your financial health is unwise • How lenders profit from borrowers who don’t know to refinance • Who should and shouldn’t refinance their student loans • Benefits of using the refinancing ladder with cash-back bonuses
 Full show notes at: http://studentloanplanner.com/42