This post is brought to you by SoFi.

With St. Patrick’s Day just around the corner, a lot of people have luck on the brain. Well, luck and green beer, of course.

But if you’ve got student loans, you know it’s going to take a lot more than a four-leaf clover to make your debt disappear. Leaving your loans to chance could mean leaving money on the table, so you don’t want to wait around for good fortune to find you. Make your own luck with these smart student loan strategies:

Update your rate
One of the fastest ways to slash your student loan burden is to lower the interest rate on your loans, which can only be accomplished by refinancing. In addition to reducing the amount of interest you pay on your loan over time, refinancing can allow you to make lower monthly payments or shorten your payment term (so that you can be done with your loans sooner).

Just how effective is refinancing? According to SoFi, a leading marketplace lender and the largest provider of student loan refinancing, their members average over $11,000 in savings - and many save much more.

Upgrade your lender
When you’re shopping around for a student loan refinance lender, make sure to compare more than just interest rates. Do they offer a fast, easy, online application process? How about a choice between fixed and variable rates and a variety of terms? And what about other benefits? SoFi, for example, offers one-on-one career coaching and entrepreneurial support to its members, among other perks.

Want to learn more?
Check your rate today at SoFi.com. It’s like finding your very own pot of gold at the end of the student loan rainbow.

SoFi loans are made by SoFi Lending Corp., NMLS #1121636
California Finance Lender #6054612.