May want to talk to a tax professional if you are refinancing public/federal loans. You will change some things (e.g., ability to use loan repayment programs, ability to discharge loans in case of death, etc).
The higher the loan amount, the tougher it will get for an international student, because the bank / lending officer will find it riskier to lend to someone who (a) does not have a high income and (b) won’t stay in the country for the duration of the loan
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