How I refinanced my Indian education loan from ~14% → 4.61% (International / H-1B / OPT)

Just wanted to share that I successfully refinanced my Indian education loan (was around ~14%) with a U.S. lender and brought it down to 4.61% fixed.

The difference in interest is massive, and the long-term savings are significant. I didn’t need a co-signer, and nothing changed with my job, visa status, or credit score.

If you’re an international student or on H-1B/OPT and stuck with high interest rates from an Indian bank, there may be options available.

Happy to answer questions — feel free to DM.