For many Indian students pursuing Overseas Education in the USA , the journey doesn’t end at graduation. It evolves from OPT (Optional Practical Training) to securing an H1B visa and building a long-term career. Alongside this transition comes a crucial financial decision: when and how to refinance your education loan. Understanding the right timing can help you significantly reduce interest costs, improve cash flow, and gain financial stability as you settle into life in the US. Understanding the Financial Shift from OPT to H1B When you first move for Study Abroad USA , most students rely on education loans from Indian lenders. These loans carry higher interest rates and lack flexibility in terms of payment because the salary might be in dollars but the liabilities in rupees. While you are on OPT, your job situation will be temporary. Refinancing will be tough for lenders from the US because of your visa status. But when you change to the H1B visa, everything will...