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Question re interest rate pricing and loan refinancing by tdiddy07

I am pretty much all set to complete an application to refinance the $98,000 or so left on my student loans. My quoted rate is good for like 30 days. But basically everyone says interest rates will be cut later this month. Should I expect that waiting a month or more would lead to an appreciably reduced rate for me? Or should I assume that the cut is taken for granted so much that lenders are already pricing the expected drop into what they are offering now?