[x0x0]

Why would they need federal approval for that? They aren't, afaik, federal student loans.

And there are lots of reasons not to refi federal loans to private loans to save a bit of interest, particularly IBR and pay-earn plans. Though private loans would be dischargeable in bankruptcy, so they have that going for them.

[zaroth]

You're right, Fed loans are paid off, not transferred for serving, perhaps... I originally assumed they would want to centralize servicing of Fed loans as well, and keep the underlying Fed loan alive underneath since it's a cheap source of funds. But they don't do that, probably not technically possible.

Did I read that right, refinanced / private student loans are dischargable in bankruptcy?

[x0x0]

some of them are; details matter

The previous post should have been

s/would/could/