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Money

Holly Ittel, shown with her boyfriend, lives in New York and owes $70,000 in student loans, some carrying a 9 percent interest rate. Some people are refinancing their student debt, but others — like Ittel — are just putting it off. (Courtesy of Holly Ittel)

Student-loan refinancing saves cash

But many struggling borrowers lack steady income and good credit score required to qualify for lower rates

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