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A third initiative allows homeowners to refinance their mortgage, taking cash out to disburse directly to a student-loan lender to pay off debt. That will also help parents or grandparents who borrowed to help the kids and now want to refinance. The new Student Loan Cash-Out Refinance loan can’t exceed 80% of the current market value of the home.

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When things were good, she worked at some well-known firms in New York’s Financial District, including Lehman Brothers, yet no one will hire her now because she isn’t as young as the new college.