1. Aly asks: "Bark, bark, ruff, bark?" Kyle Davis Aly means: "So what does it mean to 'refinance' a student loan?" 2. Rosie says: "Bark, bark, blork, ruff." Lisa Strauch Eggers Rosie means: "Essentially, the process of refinancing a loan involves snagging a new loan to replace any existing ones, usually to get a lower interest rate and simplify the repaying-all-that-debt process." 3. Peach says: "Ruff? Ruff, ruff, ruff..." Katie Jacobs Peach says: "So when might this be relevant to you? Well, refinancing can be an ideal route if you're looking to save money — monthly or over time — and budget flexibility. Here are three reasons to consider refinancing your loans." 4. Peach adds: "Bark, bark — ruff!" Katie Jacobs Peach means: "Every person’s situation is unique. It’s important to weigh your options. Use a calculator to help you understand your cost and potential savings if you decide refinancing is for you." 5. Gigi and Frankie say: "Bark, blark, blork, and ruff." Vicki Lowman Gig and Frankie mean: "Simplify things! By refinancing your loans, you can combine them into one new, singular loan. That way, you only have to think about one payment and one service provider." 6. Connor remarks: "Brr...shnp...*snore*..." Blake Bond Connor means: "So you want to save? The best way to do that is to make sure the loan you're planning on refinancing into will have a lower interest rate than your current one." 7. Connor adds, groggily: "Brr...bark, bark." Blake Bond Connor means: "In order to get approved for a refinancing loan, a good first step is having a solid credit score." 8. Rocky recommends: "Ruff, ruff, and ruff." Tara Fries Rocky means: "What’s at risk when refinancing student loans? "Well, your old loans — especially if they are federal loans — may have benefits you could lose by refinancing. So it’s essential to weigh your options and ultimately go with the one that stands to offer you the most!" 9. Pensively, Hanzo notes that: "Blork...blork, bark...blark — ruff, ruff!" Blake Bond Hanzo means: "When you feel as though your credit and income are in a good place, start doing your research and start comparing lenders. Look for lenders with low rates and good customer service, like College Ave Student Loans." 10. Rocco concludes: "Bark!" Refinancing your student loans doesn't need to be ruff. See how College Ave can help you today.