If anything, I wish I had refinanced my student loans. I remember paying 6% or 7% for them in interest every month. It took me 2 years and I was sending both of my paychecks towards them every month, living on very little money. Plenty of companies will happily buy your debt and give you below 5% rate if you have decent credit.
I certainly did take advantage of an Apple discount though, at the time, it was way better than it is today. It was 2009 when I bought a Macbook. They gave me a printer, an iPod Touch, and $100 in Apple credit which I applied towards the computer. I think I also opened a credit account with them which took off 10% more from the total price.
Sold the printer for $100, sold the iPod for $250.
So a $1500 laptop ended up costing me $1200ish with tax.
I think they have since changed all that and give you a $100 discount.