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Citizens Financial Group is offering refinance to those who have Federal Student Loans and a minimum of $10,000.00. Please visit the Wall Street Journal for more information: http://blogs.wsj.com/totalreturn/2014/09/16/student-loan-borrowers-have-chance-to-refinance-at-lower-rates/?mod=yahoo_hs Here is the link to Citizens Financial Group: https://www.citizensbank.com/ As I always do on here, make sure you fully understand the ramifications of converting federal student loans into private student loans! Just be aware that private student loans DO NOT offer the same consumer protections as private student loans so you must weigh the pros and cons before going this route! **This is for informational purposes only and I DO NOT endorse any company, products, or services***