<prompt> Human: In case Im not clear: When I look at my student loan info online, I see 42K left under principal- the interest says paid, so all I have left is presumably principal. Did I already pay off the interest on my debt, and so have nothing to gain by refinancing? Please keep in mind, I may be an idiot about this.  <response>: Youll probably want to call your student loan servicer great lakes, navient, etc and confirm, this probably means that your interest is paid for this period and will continue to accrue over the life of the loan. 