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"rendered": "Why you should refinance student loans after medical school<\/title><\/p>\n<p>In the early 1960s, only 31% of medical students took out loans to attend school. Today, according to the American Medical Association, 79% of medical school graduates have $100,000 or more in student loans, and the average amount of medical school debt is $201,490. Needless to say, as a dount of medical school debt to finish your education.<\/p>\n<p>However, carrying six figures of education debt isn’t as dire for you as it can be for someone working in another field. As a doctor, you likely have a relatively high salary. In fact, the Bureau of Labor Statistics reported that the average salary for family and general practitioners is $211,780.<\/p>\n<p>With your education and income, you’re a prime candidate for student loan refinancing, often referred to as consolidation. Refinancing your medical school student loans can help you save money and pay off your loans early.<\/p>\n<p>When you have such a large amount of student loan debt, interest charges can have a significant impact on your balances. Over time, interest charges can add thousands to your loan cost.<\/p>\n<p>Unfortunately, the interest rates on medical school loans can be quite high. Even if you qualified for federal Grad PLUS Loans, you can face steep rates.<!--more--> As of 2020, the interest rate on Direct PLUS Loans is a whopping 7.08%.<\/p>\n<p>To put that rate in perspective, let’s say you had $100,000 in student loan debt at 7.08% interest and a 10-year repayment term. Your monthly payment would be $1,165 per month, and by the end of your loan term, you will repay a total of $139,825. Interest charges would cost you over $39,000. Pretty scary, right?<\/p>\n<h2>Medical School Student Loan Refinancing<\/h2>\n<p>When you refinance medical school loans, you may qualify for a loan with a lower interest rate. Or, you can extend your repayment term if you want a more affordable monthly payment. Depending on what option you choose, the savings can be significant.<\/p>\n<p>If you refinanced your loans and qualified for a 10-year loan at 4.5% interest, your monthly payment would drop to $1,036 per month. However, you’d pay just $124 <a href=\"https:\/\/yourloansllc.com\/personal-loans-mo\/\">MO personal loan interest rate<\/a>,366 over the length of your loan. By refinancing your debt, you’d save over $15,000.<\/p>\n<p>If you’re considering student loan refinancing but you aren’t sure whether now is a good time, consider the following scenarios. If one or more of these apply to you, it could mean this is a great time to consider seeking a better rate on your loans:<\/p>\n<ul>\n<li>You aren’t eligible for Public Service Loan forgiveness<\/li>\n<li>You plan to work in the private sector<\/li>\n<li>You have high-interest private medical school loans<\/li>\n<li>Your spouse’s income is high, which increases your income-based payments<\/li>\n<li>You have a healthy credit score<\/li>\n<\/ul>\n<p>If your payments are significant, you’re unlikely to receive any type of loan forgiveness and your credit score enables you to earn competitive rates , why wait? Refinancing could lower your payment and offer you the opportunity to change your repayment term to best fit your financial goals.<\/p>\n<h2>Refinancing medical school loans during your residency<\/h2>\n<p>Some lenders offer payments as low as $100 per month to students still in residency, which enables you to tackle a small portion of your medical school debt before starting full payments.<\/p>\n<p>This financial option would be a good fit for medical students with good credit who can earn competitive interest rates when refinancing, as well as those who have a cosigner readily available. Refinancing during residency may be an especially good move for borrowers with a significant number of private loans.<\/p>\n<p>Bear in mind, however, that because your payments are so low during residency, you may pay more in interest than you would otherwise. That said, refinancing during residency can be a fantastic way to jumpstart your journey toward financial freedom.<\/p>",
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