The White House and lawmakers offer potential legislation.
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Federal Student Loan Refinancing Act - Sen. Kirstin Gillibrand, D-N.Y., introduced the Federal Student Loan Refinancing Act last May to allow borrowers that received loans under the Direct Loan or Federal Family Education Loan program after July 1, 2006, to consolidate them into one with an interest rate of 4 percent or less. Instead of paying more than $47,600 over the life of a 20-year, $26,000 loan, the borrower would pay $37,800.(Photo: Win McNamee/Getty Images)
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