<prompt> Human: I have about 15k left on a 120 month term student loan of 25k. I see ads on credit karma and elsewhere with amazing savings on refinancing 795 credit score, but when I go to apply University of Phoenix isnt an option. I know that school sucks and isnt really a school, but it got me where I needed to be in my career. Im not proud of it or anything, it was jus a box that needed checked. Does anyone know why refinance companies wont take student loan debt from UoP alumni? I mean Mohela owns my debt, not UoP, so why does it matter? Anyone know of a company that does refinance UoP student loan debt? Thanks for any direction this sub can provide, I couldnt find anything online about this subject.  <response>: just curious, why are you trying to refinance? You seem to have a good career, are you making good money? Depending on your income you could pay this off in a year so the APR probably isnt going to kill you. 