Last Updated: 4/30/2022
No, you don't have to refinance or consolidate all of your student loans at the time same. During the application process, you'll be asked to confirm the details for any loan(s) you'd like to refinance/consolidate, and when the loan closes, College Ave Refi will pay off the loan(s) you indicated.
If you want to refinance or consolidate additional student loans in the future though, you'll need to submit a new application, and your new loan terms would be based on offers that are available at that time.