Tips on Getting Federal Student Loans

Looking for information on getting student loans to, including using federal loans. Also looking for tips on refinancing these student loans, and when it makes sense to refinance to a lower interest. Requirements: Prefer financial professionals and education loan specialists. Please provide one to three tips for using student loans to pay for school, and how to get them, OR send a couple of sentences on how refinancing can be helpful in some cases (or when you should avoid refinancing student loans).