<prompt> Human: Im currently paying 6.5 on my Student loan. The balance is low, 4,679.21 and financed through Nelnet. I saw a few posters who had used SoFi to re-finance their student loans to a lower rate, but their minimum requirement is 10,000.Would another option be to take out a personal loan to cover the debt? My goal for 2016 is to pay off this debt, but Id like to save myself the cost in interest while Im paying it down.  <response>: Its not even worth your time. 6.5 on 4500 is nothing. Even if it took you two entire years to pay off thats only 300 in interest. Even if you were going to get a crazy good rate of 3 that saves you 150. The prime rate is also going up so you would probably wind up with a variable interest rate loan and wind up back where you started or close to it. Dont bother. Pay it off and be done with it if thats your goal for 2016. 