Channel3000.com December 21, 2020 6:58 PM Ryan Lane Posted: Updated: Getty Images If she could do it over, Vy Chuong says she would. Chuong, 26, from Seattle, refinanced roughly $55,000 in federal student loans with a private lender in February. A month later, the government suspended most federal loan payments interest-free until September. That break has since been extended through January 2021. Chuong’s new loan doesn’t qualify. “Honestly, I do have regrets,” she says. “I should have waited.” Chuong knows she can’t change things. But she wishes she knew it was possible to refinance just some of her loans. She says she would have refinanced half her balance — that way, she could’ve saved some money and kept some federal protections.