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Before you combine federal and private student loans, be aware that federal loans offer certain benefits and protections, such as Public Service Loan Forgiveness and income-driven repayment plans, which do not transfer to private lenders.If you’re considering refinancing, you should first find out if any of these benefits apply to you.

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More than 40 million Americans have student loan debt.

On average, 2015 graduates left their campus with more than ,000 in debt that they are responsible for paying back.