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Many people are missing out on lower student loan interest rates because they don’t take the time to research their refinancing options. Housing prices, interest rates, and the cost of renting could continue to rise if you put off buying a home in favor of paying off debt. Consider refinancing or consolidating your student loans to lower payments or the interest rate. Mortgage lenders will use your standard repayment plan to calculate your debt-to-income DTI ratio , so lowering your payment may not help you qualify for a home loan.