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FILE - In this April 3, 2019, file photo a tip box is filled with U.S. currency in New York. Refinancing can pay off your existing student loans, replacing them with a new loan with new terms and a single payment. Some private refinance lenders allow you to consolidate your loans with your spouse’s or co-sign a loan for him or her. This may benefit you if you wouldn’t qualify for refinancing on your own. But combining or co-signing loans puts you on the hook for the entire debt. (AP Photo/Mark Lennihan, File)