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So I've got about $25k worth of student loan debt at 6.55%

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So I've got about $25k worth of student loan debt at 6.55% fixed rate apr. Should I be shopping around for a bank or credit union to loan me this amount at a lower rate? Or will I just get flat out refused without some kind of collateral?

Yes I did fall for the college meme and the student loan meme, at least it landed me a decent job or I would really be fucked.

General tips on managing debt are welcome. I never learned much about finance
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>>1769368
my sl is 3.25% there is no way i can get better deals. if you can into early repayment do that or at least halve your loan amount this will save you a shitton of money.

last time i got offered a loan to replace my student loan it was 11% apr. i was pretty curious who the moron would be who went for it.
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>>1769368
don't get a loan to pay off another loan, as if you get fired for some reason or your loan defaults then you not only owe the school money but now you owe the bank/credit union as well

ask for a payment plan and budget your money accordingly
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>>1769368
Best to just live like a peasant and just pay it off asap. Student loans are a fucking plague.
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>>1769391
>Get loans since your family cant front the money
>Told id repay them just fine if i got a job
>80k sounds like alot but okay if you say so
>See the paperwork for the first time 4 years later
>10.5% starting the day i took out the loans
I was some sort of turbo-retard in high school.
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>>1769368
>he fell for the indentured servant meme
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>>1769391
>or at least halve your loan amount this will save you a shitton of money.
What do you mean exactly? Half it how?

>>1769439
>Best to just live like a peasant and just pay it off asap. Student loans are a fucking plague.
Yeah, I try to put in extra towards it each month

>>1769441
Well at least I didn't fuck up that bad, but yeah I got jewed by my own ignorance. I mean it's kind of fucked up how good my high school education was, private school, honors student all that shit, and no one ever taught me anything about personal finance or debt-slavery
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>>1769592
>Half it how?
pay back $10k now
which will result in way more than halving the total amount of money you pay back.
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