Several of the current presidential candidates have expressed intent to lower student loan interest rates should they be elected. Assuming this were to happen, I’m wondering if it is even relevant to people currently in repayment. If I were to refinance my loans at a new rate, wouldn’t that create a “new loan” that would set back the clock on my payments toward loan forgiveness under the income-driven plans? If so, it seems like a lot of people who are already working toward fulfilling their 20-25 years (or 10 in PSLF) would not be able to take advantage of any new interest rates to lower their monthly payments.