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tl;dr; Do the refi and don't worry about your credit score. The refi as you described can save you almost $500 in the first year, and likely thousands over the course of the loan. The slight dip to your credit score due to the hard inquiry is only temporary, and it will likely be just one instead of multiples. Regarding the Average Age of Accounts change, ...


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would consolidating my loans disqualify me from receiving this kind of aid? No one knows any details about what any hypothetical loan forgiveness plan would or would not cover. Would the Government actually pay the lenders the forgiveness amount? Or would it be through some sort of tax credit. No one knows at this point. It's all still just talk until an ...


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