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@Anonymous wrote:
My student auto loan which is from Fedloan servicing I owe 5,600 but the interest is 5% which is high as heck , I have good credit now I think I can get something better ?
5% really isn't too bad.
Federal student loan rates are set by the legislature, and are not at all impacted by your credit rating, so the only way you could get a lower rate would be to refinance with a private party (Earnest, Sofi, those guys).
The downside is that if you will lose any protections for those loans (forebearance, deferment, income based repayment plans). Of course, the upside is that they can't garnish your wages if you default, and all of the debt statutes and laws that people know better cover it.
You can check with banks (your own, other nationals or credit unions) or other private lenders for refinancing and see what rate you qualify for - I believe many of the ones online will let you see what you prequal for without taking a hard pull. If your credit is good enough and you have the means to pay it off relatively quickly, you could also try to qualify for a 0% balance transfer card and pay it off before the promotional period ends.
Good luck!