A student spends years in higher education with the promise of a career. Now they are graduating in large numbers unable to pay their student loans without financial hardship. Once started into their respective educational programs, a student finds that interest rates vary drastically per quarter without negotiation. At graduation, these students are left with heavily leveraged educations.
Students need the ability to refinance educational interest rates to help ease monthly payments. This will stimulate the economy by allowing hardworking, educated people the middle-class American dream of disposable income.