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1. Rates are coming down
2. Do we just go for savings or do you switch gears and look at reducing the term
3. How can we taylor make our refinance - just a 10-15-30 year?
4. What about the interest rate
5. What about debt consolidation
6. Kids student loans due for payments, addition to the home, consolidate credit card debt
7. What are the benefits putting it all in one loan vs paying everyone else
8. Are you making the right move?

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