But how will your credit scores affect refinancing student debt?
Getting student loans as a student is typically a pretty easy affair.
But many lenders do what is known as a soft credit pull, which doesn’t show up on your credit report at all.
But even if the potential lender does a “hard credit pull,” resulting in an actual inquiry, it still may not count against you, or at least not heavily.
I am able every month to do all payments in time and I never skipped one, however, I pay ~0/month just paying the minimum of all cards together.however, I also thought about a personal loan to consolidate my debt.my question is: if I get a personal loan of 20-25k (I don't think I can get much more than that), I'll pay it off in less than 5 years, and I will use it completely and exclusively to close two or three of my highest credit cards.I did read online, and in this post, about credit settlement and various options moving balance around, however, I have 6 cards with a total out of ~35k.I emailed a credit counselor who suggested their program where I pay them ~0/month and I'm done in 5 years.