Compile all your documents and organize it in one file. Make several copies of the file, which you will need to submit to the lenders you select for refinancing.
Search online for refinancing options, but keep in mind to focus on those companies willing to work without a credit check. This is where the recommendations will come in handy.
Realize that most, if not all, financing companies offering refinancing of student loans will charge you a higher interest to protect themselves, so be sure to keep any refinanced loan current to avoid repercussions with a bad credit report later on.
Contact the short list you have and be honest about your situation. The more you hide details, the less likely you will get approved. Opt for a more conservation loan term, rather than proceed with a high monthly payment and short-term loan. You must the ability to repay by having a steady income and few other monthly obligations.
Check the federal loans as well the private finance companies and banks. Federal loans do not require a credit check, but you will have to be persistent about pursuing approval. Many applications are being processed, and it could take a bit longer than if you went with a private lender. The federal loan is also worth pursuing because the interest is tax-deductible. Plus, should you decide to go back to school, you can apply for a postponement on the loan for the duration of your educational pursuit. However, be reminded that unless the loan is forgiven, it must be paid.