drew

A refi is good when you have variable rate debt and you're exposed to a high rate environment. See: mortgages BUT: majority of student debt is fixed rate, and there are already legal caps on student loan APRs. Bottom line: student loan refi is a solution looking for a problemhttps://twitter.com/amyklobuchar/status/1120465113847402497 …

Also, likely, refi’s are preferable when rate is high for time t but uncertain for times t+n, but net long-term return is likely similar to present (e.g. some pharmaceuticals); also maybe still applicable to student loans in re: potential taxation on future earnings

You mean like getting a refi into a longer-tenor student loan to keep the tax deductibility for longer? That is definitely an interesting idea, though worth mentioning that the student loan interest deduction is capped at $2500/year. But it could still be a good reason to refi!

Yeah outside the current environment for student loans but the idea is essentially some guaranteed net present rate that tries to price in potential future increases and decreases that likely work out on net; the concept applies in re: student loans which are subject to labor mkt