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Concerns with Refinancing

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  • Concerns with Refinancing

    My wife and I are dual physician.  Her an OB/GYN resident graduating in June this year.  Myself a neurosurgery resident with 2 years left in residency.

    My loans sit at 317k  (including insurance) and hers at 243k.  With her moving on from residency we will likely refinance hers with one of the companies, however I have hesitations with refinancing.

    What concerns should I be worried about with refinancing with 2 years of residency left?  Does making the loans "private" instead of federal really limit anything except PSLF?
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