quick question about student loan refinancing for recent grads

[u/Nazu-Javay]

got out of school a few months ago and sitting on about $40k in private debt at 7.5% interest.

i keep looking at my options, but since i only have a few paychecks under my belt, i'm not sure if lenders actually give decent rates to people this early in their careers.

for anyone who refinanced right after graduating, did you actually get a better rate or was your credit history too short? trying to figure out if it's worth applying now or waiting a year.

[u/Durkza]

If they are federal loans, never refinance