---
title: Why You Should Think Carefully Before Refinancing Student Loans
description: Author Harold Pollack gives some useful tips on managing college debt.
authors:
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published: '2016-06-27T18:07:02.000Z'
modified: '2016-06-27T18:07:02.000Z'
section: Education
tags:
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  - Money
  - Student Loans
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word_count: 82
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type: Article
source: structured-blocks
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![Student loan paperwork](https://img.money.com/2016/06/gettyimages-86527935.jpg)
*Student loan paperwork*

Higher education is nearly impossible to achieve without taking on an extreme amount of debt. In fact, student loan burdens are a major reason [more college graduates are living at home with their parents than ever before](http://www.pewsocialtrends.org/2016/05/24/for-first-time-in-modern-era-living-with-parents-edges-out-other-living-arrangements-for-18-to-34-year-olds/). It's important to know the right ways to manage your debt before you graduate, and which types of loans to avoid while applying for colleges. Harold Pollack, co-author of *[Index Card](https://www.amazon.com/Index-Card-Personal-Finance-Complicated/dp/1591847680/ref=sr_1_1?ie=UTF8&qid=1466708132&sr=8-1&keywords=index+card+book)* offers some expert tips on how to plan ahead and deal with college debt.

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