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How does one get approved for consolidating their government loans into lower-interest (4%ish) stricter private loans? I will be graduating medical school with around $180k in debt after interest and if I conglomerate my government loans, the average interest will be around 6%. I would like to refinance to private loans if possible. By the time I graduate, I will have a 5 year credit history and my current credit score is close to 800. However, I've never held a job or made a big purchase (car, home, etc). Is there anything I can do to help my chances of refinancing?
