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The government should have a program that allows student loan customers to refinance their loans. It is simply not practical to expect that the typical borrower will have the means to refinance a typical debt of $27,000. Even refinancing a tangible asset like a home is not simple these days. Ask Bernanke
Ben Bernanke turned down for mortgage refinancing
So you believe you have the right to do stupid things like borrow more than you can afford to repay, which you do, and the government and the taxpayer has the obligation to make you whole, which they don't.
Your argument is not that the government prevents you from refinancing your loan, but rather that the government should pick up part or all the costs incurred in the refinancing.