b1nhdang123

Hi, I have one year left in dental school with 278k loans at avg rate of 6.24%. Will have to take out another 90-100k next year for boards and other expenses. Once I graduate should I immediately go into PAYE or IBR or should I refinance my loans? Goal is to pay off as fast as possible and with an opportunity to buy a practice in 4 or 5 years. Thanks

WesternU...our tuition is 75k living cost about 12-15k. Boards cost about another 4k next year. Takes into account the off time period from graduation to actually finding a job as well. Hopefully can find a job over 140k a year but should increase if my production and work ethic is great

Yes, all federal loans. Maxed out my Unsub and the rest are on Grad Plus. That was one of the reason why I was thinking I would not re-finance so I don't lose out on the benefits. And would re-finance when I know I have a steadier income to pay it down in 5 years or so. Thanks for the guide