I've been making payments through IBR for 7 years (including 2 as an attending), but recently took a job with a group that is not 501(c)(3). Loans total 401k at 6.125%. Considering refinancing them through sofi as I can get 5 year repayment at 3.35% with about $7200 monthly payment. I know you never know, but I don't see changing employers again anytime soon. I'm leaning toward refinancing just to move forward and get light at the end of the tunnel. Thoughts?
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