I’m unclear entirely how PSLF works, but is there a way to hedge your bets. Ie refinance part of your student loan. If you have 500k in student loan, refinance say 250k in private loan, then keep the other 250k in PSLF assuming you might be able to get that forgiven someday. Just curious of the possibilities. Only under the most unique scenario would it make sense since it would drastically increase monthly payment and you’d probably pay off your student loan before it got forgiven.
Also as a side note. I would definitely refinance the whole thing and give up on PSLF. A bird in hand is worth 2 in a bush. Id take the savings now over any type of bet that puts faith in student loan reform assisting the 200k earning doctors.
PSLF is current law, not some campaign promise floated by a third tier candidate.
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