...  asked: I started doing a refinance of my student loans prior to Oct 1 but there been a lot of “needing more information” because of thier mistakes and the company is starting to really make me angry. I wanted to cancel the application and start over. They said if I did that I would not be able to refinance because I have less than 20,000 in debt and the rules changed since Oct. 1. I just want to know if it is a government mandate or this ...