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David Carlson is a personal finance author whose books include Student Loan Solution and Hustle Away Debt. He is the founder of YoungAdultMoney.com.

In this episode we talk about specific steps David took to pay off his loans, misconceptions with refinancing and what that actually means, things to consider when you do want to refinance student loans, specific example of what refinancing a loan can do for you, and even how to prioritize different payments.