I am in my final year of residency and recently signed with a private group, ending my ability to pursue loan forgiveness. My IBR just renewed. I have ~225k at 6.6% unsubsidized, ~35k at 6.6% subsidized, ~40k at 8% (institutional loan--not accruing interest until end of residency), and ~17k at 7.8% (private loan for relocation/residency application that was originally 12k 5 years ago).
When should I refinance? Now to start taking advantage of lower interest rates or once I start my job next summer and can document higher income? Any thoughts or advice much appreciated.
When should I refinance? Now to start taking advantage of lower interest rates or once I start my job next summer and can document higher income? Any thoughts or advice much appreciated.
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