can state loans for college be refinanced or transferred. Such as nj
hesaa loans.They are not federal loans.They are higher education loans

Refinancing is officially getting a loan to pay off a loan.  Since you
are no longer paying for education with the loan you are not at all
likely to get an education rate loan for it.
You can easily refinance or transfer the ballance if you have decent
credit, but you won't be getting the fabulous rate you might expect.

thanks for the reply but to clarify because i was little vague,i didnt
mean so much as a personal loan from a bank, but more in terms of
transferring the loan to another financial institution that handle
college loans, because i have received a lot of junk mail from college
lenders offering better rates than i have, but when i call they tell
me they only handle federal loans not state loans.