<prompt> Human: I originally had MBA loans 150k for 10 years at 6. When I graduated, I immediately refinanced to 10 years at 4.99. Over last year, I aggressively paid off 60k of my loans and had a full year of salary data now. I just refinanced again and got 5 years at 3.3.Too few people, especially those who are aggressively paying off loans, refinance more than once. Its free money. Plus, most popular ones dont charge any origination fees e.g. Earnest, common bond, sofi.It took literally 30 minutes, and I saved 7000.  <response>: A few quibbles:If theyre student loans, keep in mind that by refinancing, you might be giving up some protections like forbearance, income based repayment, etc. If youre paying on time and in full, it may not matter. But if youre on the edge, it might.Plus, most popular ones dont charge any origination fees e.g. Earnest, common bond, sofi.A lot dont, but some do- i wouldnt call it uncommon, especially if you arent particularly financially savvy. Always check!Also make sure you arent getting suckered by paying less per month, but over a longer period. Paying 1 less but going from 5 years to 10 years probably isnt a great deal.People arent idiots, its self-explanatory to not refinance if you get a higher rateThe people who know this would also say its self-explanatory to refi when you can get a lower rate. It is kind of obvious, but keep in mind the type of audience youre writing for. Overall its good advice though. A few points makes a huge deal with large amounts of money.edit:Also worth mentioning, from the sounds of it you went to a top tier school, and landed a pretty nice job. That makes you a prime candidate for this sort of refinancing- youre much lower risk. So be careful about extrapolating from that anecdotal evidence, FWIW. 