Want to refinance your student loan to a lower rate? Here's what experts say to do

As long as the loans are repayed -- refinance away!

I would support the abolish of the student loan program and allowing the present student loan holders to be able to discharge them in bankruptcy.
Most student loans are at rates lower than being offered today, there are legal limits on what they can charge.
The student loan program is the major cause of the exponential increases in tuition cost and has allowed colleges the ability to fund a lot of programs that would not be profitable for the school or the student if they weren't available.

.... so their advice is to do the exact same thing you should do for every single loan, ever? So helpful.