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Sometimes they'll need more information or proof from you and usually if you provide it, you'll get approved.

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Some banks offer student loan refinancing -- like Darien Rowayton and Citizens.

And a handful of online lenders have recently launched specifically for this purpose, like Sofi and Common Bond.

Just about every single one I ever spoke with when helping a customer had two brain cells and could care less about approving someone.

If you're lucky, you'll get someone who has a brain and excellent customer service.That's the estimated number of borrowers eligible to refinance their debt, according to a new report from Credible, an online student loan marketplace.It's roughly one-third of all people who are currently paying down student loans.Your journey begins with understanding the financial aid process.Access in-depth information about the FAFSA submission process, different sources of financial aid and what you can do to prepare for student loan repayment.But the government doesn't allow people with older loans to refinance at current rates.