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Hello, Thank you for the website, it has been very informative thus far. I am going to start residency this summer and had a question about refinancing? I've been reading up refinancing offers/rates at DRB and link. I was wondering if I refinance now to a 20 year plan to keep monthly payments low (230-280 per month), is there a penalty towards early repayment. When I graduate residency in four years and can afford higher payments, do they allow you to increase your monthly payments to pay the loans quicker than the 20 year plan?