Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:OP, what kind of degree do you have and do you make? Just trying to wrap my head around the amount of student loan debt you have.

Not OP but my husband had almost this much student loan debt.

Just from law school, since he had a full ride to college.

This was twenty years ago.

Yeah seriously. I graduated law school 18.5 years ago with $160k in loans. Now I hear of kids graduating with two and three times that much. (Which blows my tiny little mind - I am still 4 years from being done with my loans; I can't imagine how these new grads are ever going to get done with theirs).

Particularly if they won't or can't do a stint in Biglaw.

I graduated with my MBA in May and am still freaking out over my loans ($180k total). I hate that I went into finance, but I have a very detailed spreadsheet for repayment and I figure it’ll take 2, maybe 3, years max. Then I can do what I actually enjoy. Not helpful at all, sorry. I have SoFi too and you may be able to refinance again at an even lower rate. 5%+ is still pretty high for them.

OP here - this is really helpful, actually. I think you're right. If I can afford $900 extra a month, I should refinance into a shorter term loan with a lower rate. Though I just checked and unless I want to do a 5 year variable, which makes me nervous, the difference in rates is only .5% or so. I'm really tempted to do the 5 year variable, but this just isn't a good year with some likely big medical expenses coming up. Thanks though for putting the idea in my head!