Informational, not financial advice
Federal student loan rules change frequently. The statute, regulation, and IRC citations on this site reflect the law as of the displayed verification date. Verify every action with StudentAid.gov or a licensed advisor before acting.
Not affiliated with the U.S. government
PostSAVE is an independent publisher. We are not the U.S. Department of Education, Federal Student Aid, the IRS, or any state agency. Always confirm policy details with the relevant agency directly.
Affiliate disclosure
When you click a refinance referral link and complete an application, we may earn a fee. This does not change the rate you receive. Refinancing federal student loans into private loans means losing access to federal income-driven repayment plans, PSLF, and federal forbearance/deferment options. This is permanent.
/disclaimer · last reviewed·2026-04-22