Which of the following is NOT a consideration when refinancing student loans?

When evaluating the key considerations for refinancing student loans, payment history generally does play a significant role, as lenders look at a borrower's track record in making payments to assess risk. This is particularly true in determining whether to approve a refinancing application and at what interest rate. A strong payment history can lead to better loan terms, while a poor one can hinder the refinancing process.

On the other hand, credit score requirements, variable versus fixed rates, and loan terms/length are all fundamental factors in the refinancing decision. Credit score requirements help lenders gauge the creditworthiness of borrowers, which impacts the interest rates available to them. The choice between variable and fixed rates is crucial as it affects future payment stability and overall loan costs. Additionally, the length of the loan term can influence monthly payments and total interest paid over the life of the loan, making it a vital consideration in refinancing.

Given this context, payment history is indeed an important aspect when refinancing student loans and should be considered by borrowers.