Student Loan Rehabilitation vs Consolidation: The Re-Default Numbers Nobody Shows You (2026)
Student loan rehabilitation vs consolidation, compared with data: 45% vs under 10% re-default by plan, a 96% drop in consolidation exits, the 2026 RAP rule.
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Does Refinancing Student Loans Hurt Your Credit? Fewer Than 5 Points vs. a 38-Point Delinquency (2026)
Does refinancing student loans hurt your credit? One inquiry costs fewer than 5 FICO points for a year; a 90-day delinquency cost borrowers 38 points in 2026.
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PSLF Payment Count After Consolidation: How Many Payments You Actually Keep (2026)
Your PSLF payment count after consolidation is a balance-weighted average. Six worked loan mixes, the July 2026 RAP cutover and what Buyback can’t reach.
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Credit Score to Refinance Student Loans: The Real Approval Bar vs. the Published Minimum (2026)
What credit score to refinance student loans do lenders want? Minimums run 650-720, but SoFi’s approved borrowers average 761. Rates by score band, sourced.
