Hello!

I am trying to tackle my student loans now that I am making attending salary.

I have about 120k loans with an interest of 6.8. I just graduated from residency and making 250k per yr. I'm trying to see what would save me the most money at the end. I want to be aggressive and be a diy person. I am willing to live like a resident for 3 years ☺️.

So please let me know which one is better:

A) do the "snowball" pay off by paying off the separate notes individually as quickly as I can. Trying to pay off the loans with the highest principle first.

Or

B)refinancing to 5 years with extra payments when I can.