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Refinancing your student debt could save you money. Here’s how to do it right. (iStock) Refinancing your student loans can have a number of advantages, especially if you have a high balance (say $ 10,000 or more). It can lower your monthly payment, lower your interest rate, and maybe even help you pay off your …

Small US banks have continued to post explosive growth in commercial lending as federal loans to aid small businesses pile up on balance sheets, while increases at large banks appear to have been limited by repayment lines business credit. Meanwhile, consumer loans continued to decline across the industry. The widespread collapse in consumer spending amid …

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If you want to refinance your student loan debt, it’s a good idea to calculate and understand your debt-to-income ratio before you apply. (iStock) When you refinance any type of loan, one of the things a bank or credit union takes into consideration is your debt-to-income ratio. While all lenders have their own standards, a …