For millions of Americans, student loan debt remains a significant financial burden, often persisting for decades after graduation. The challenge intensifies for borrowers with poor credit, as traditional refinancing options may seem out of reach. However, navigating student loan refinance with bad credit is not an impossible feat. With strategic planning, informed decision-making, and an understanding of available options, borrowers can secure better terms, lower their payments, and work toward financial stability. This article explores expert-level insights, offering practical strategies to help borrowers regain control of their student loan debt even when facing credit challenges.