I have been informing people with student loan debt for almost 5 years now, somewhat of an expert in the field. In most of my guidance, it ends in pointing borrowers towards refinancing their student loans through Darien Rowayton Bank for their excellent customer service and incredible rates. DRB has a hidden gem in the fact that they can pay off your student loans, consolidate into a lower payment and interest rate, and allow you to choose your term without a fee. It breaks my heart that more people don't know about this option and are blindly paying on their student loans without touching the principal balance. You CAN refinance your federal and private student loans through DRB, you just have to make the call or submit an application!