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Originally Posted by lillyb
I may look into whether they will consider including it with the mortgage amount to get it in with the 5.95% also.
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Ok, again, just to reiterate, I still would not include the student loan in your refinance. Mathematically speaking

it doesn't make sense to turn a 5.35% loan into a 5.95% loan.
I also did not mention that student loan interest is a so-called above-the-line deduction. You can claim it even if you take the standard deduction. That makes it potentially more valuable than the mortgage interest deduction.