Ray,, It will be both amazing & surprising how many people will not bother to redo their student loans.. I am sure that many will, but others will just not want to bother.
Hopefully your post will inform ppl that will be available.

It is the same with lower mortgage rates. Opportunity knocks but ppl don’t answer the door.

I get some people almost in tears when they find out that they don’t qualify and others who do qualify don’t seem to understand the real benefit and don’t want to bother.

Water,, What is loan amount ? Are you looking for a rate with a 1 point origination OR a 1 pt buydown ?