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Student loan refinancing question

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2021.12.04 13:47 DocAndDentist Student loan refinancing question

I’m a resident making 60k with 250k in loans. 2.5 yrs left of residency then likely will have a 400k salary.
Wife is a dentist making 140k with 150k in loans.
Our average interest rate is like 6.4% I think so 400k at 6.4%. Anticipating the end of the interest freeze, we are looking to refinance our loans. Got a few questions
1) we’d like to consider refinancing them all together into one large loan to maximize the effects of her salary to lower our average interest rate as much as possible. Is there any reason this is a bad idea, other than the obvious complications it poses if we split or one of us dies?
2) how do we go about discussing this situation with the large student loan refinancing companies? Do any of them have useful customer service that would actually talk to us about how we could do this?
Thanks amigos
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2021.12.04 13:47 jschaud What might my next option be?

Been dealing with this for a couple years now. Started on HQ which did not help at all with symptoms. The LF which absolutely worked, but the side effects were brutal, thought I was going to pass out, diarrhea, and fatigue.
Switched Doctors who waited until the LF got out of my system and then on to 10mg MX. It has made the swelling and pain much better, but definitely not perfect. We upped the dosage to 15 mg a few weeks ago and the occasional pain is there still--seems to happen more after eating red meat, but the fatigue is awful. I can barely function some days. I am also drinking a ton of water daily to help with nausea. Oh, taking Folic acid the whole time on MX.
Really just wanting to see if switching to MX injections is likely the next step or if anyone had less trouble with fatigue going oral-->injection.
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2021.12.04 13:47 porKpr0ducts H: Q50crit25 Laser Rifle W: Q50critGhost Laser Rifle

looking for only this laser
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2021.12.04 13:47 ZoolShop Boy, 5, dies of sepsis hours after being sent home from A&E with 'stomach bug' | UK | News

Boy, 5, dies of sepsis hours after being sent home from A&E with 'stomach bug' | UK | News submitted by ZoolShop to CoinTuta [link] [comments]

2021.12.04 13:47 hellokitty2469 Steal: Kobe 10 USA Size 10.5 used on eBay $124

Used but in good condition. Insoles a bit scuffed but grip sock liner, everything else looks intact. Only $124
submitted by hellokitty2469 to KobeReps [link] [comments]

2021.12.04 13:47 NewsElfForEnterprise Goldman Sachs cuts U.S. GDP growth forecast for 2022 over Omicron fears

Goldman Sachs cuts U.S. GDP growth forecast for 2022 over Omicron fears submitted by NewsElfForEnterprise to News_Finance [link] [comments]

2021.12.04 13:47 GoAheadTACCOM How do you cut a straight edge on a 15' four inch live edge board?

I'm in the process of drying a 4" thick 15' black walnut board that I plan to use as a mantle over our fireplace. Once it dries, I need to square off one edge of it, but am having trouble figuring out how to make that cut. I don't own a track saw but the one I've looked at only have a 2-3" cut depth. I can't imagine safely doing it on a table saw even with help. What would be the best way to approach it?
submitted by GoAheadTACCOM to woodworking [link] [comments]

2021.12.04 13:47 Airneko_83 Hey ! i release the 2nd part of my OMORI Music Tier List ! If you have never seen my videos then try the 1st part of this video series. I really put in the time and effort to make an entertaining music analysis and tier list.

submitted by Airneko_83 to OMORI [link] [comments]

2021.12.04 13:47 voodoo_cult Why is common app not asking for my HS transcript?

Everywhere I look on common app I can’t find where to submit my high school transcript. To be clear, I am a freshman undergrad trying to transfer. When I select academic history, and colleges attended, it gives me the option to order an official transcript. However, this is right under where I put my current university. So what i’m wondering is if this will show my high school and university grades, or just my university grades.
Any help is appreciated. Thanks in advance!
submitted by voodoo_cult to ApplyingToCollege [link] [comments]

2021.12.04 13:47 cuulgorl Best tattoo coverup artists in Buffalo?

Looking to get a coverup over a black line work tattoo
submitted by cuulgorl to Buffalo [link] [comments]

2021.12.04 13:47 inthrees Kind of lost, not sure what to do.

I've done a few bounties from the hire board in Britain but those just seem kind of procedurally boring. How would I go about actually find more quests like Skara Brae or similar?
I found a note that said go to glacial scar to retrieve a skull but that was before I knew about Gypsies and their veracity divination thing, and I never found the skull. (Disposed of the note after two hours tooling around the various glacial scar levels.)
I went to Clues and saw a passage about giving Gargoyles rubies but of course I haven't seen a single gargoyle since then.
I have a house loaded with many fine treasures that smells of mahogany and has many leather-bound books but no idea what to do now. Treasure maps and SoS messages are kind of boring now, etc etc.
I feel like I'm missing something fundamental.
submitted by inthrees to uodyssey [link] [comments]

2021.12.04 13:47 entjshadow What is your experience with having energy drinks before exam?

submitted by entjshadow to AskReddit [link] [comments]

2021.12.04 13:47 PlebifyYourselves LOOKING FOR ACCOUNTS WITH AYAKA AND KAZUHA

Acc 1

Acc 2


submitted by PlebifyYourselves to GenshinTrades [link] [comments]

2021.12.04 13:47 rennydoo Cosmo and Wanda hiding as a bad DIY tractor…

Cosmo and Wanda hiding as a bad DIY tractor… submitted by rennydoo to cosmoandwanda [link] [comments]


THAT'S A SHOOT: EPISODE 126 - NXT WARGAMES 2021 PREDICTIONS submitted by THEINSIDER20 to Wrasslin [link] [comments]

2021.12.04 13:47 YOLOTREND Chinese Tech stocks crush! Tiger Brokers 3Q2021 results and how did it fare? Still a 20 baggers?
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2021.12.04 13:47 GRAVITYBSC CroCro First MemeCoin on cronos Chain !! We got CoinMarketCap!! X1000 easy

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DYOR - head over to the telegram or check website!
submitted by GRAVITYBSC to altcoin [link] [comments]

2021.12.04 13:47 IBorkValidI Am I the only one who thought chunin exams was super overrated (og)

First off i want to start off saying I have it as a 7.75-8/10 but I thought it was massively overrated
First off all almost every single fight in the 3rd stage went over the same exact formula, one guy starts destroying the other guy then the other guy somehow makes a comeback, there was only like 2 fights that didn’t go over this same formula which made the fights so repetitive
The pacing in the fights were also bad. They will make them stare at each other for 3 minutes then have another 10 minutes of flashbacks just for the fight to be above average at best.
It’s most definitely I super important arc to the story but I think it’s the most massively overrated arcs ever
submitted by IBorkValidI to Naruto [link] [comments]

2021.12.04 13:47 mimochi_a آیا حق است؟ 🤔

آیا حق است؟ 🤔 submitted by mimochi_a to EskiMemes [link] [comments]

2021.12.04 13:47 _fieldgoal What’s your favorite way to be an asshole?

submitted by _fieldgoal to AskReddit [link] [comments]

2021.12.04 13:47 Broadermore Literally no line for Covid vaccines at Mahalia Jackson right now

First, second, booster. Shot of your choice. Completely free, no insurance required. I think all they do not have is a the one for kids
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2021.12.04 13:47 Xaviermuskie78 Our water and sanitation bill has a disconnect date 13 days after the due date with no past due balance, but MERRY CHRISTMAS

Our water and sanitation bill has a disconnect date 13 days after the due date with no past due balance, but MERRY CHRISTMAS submitted by Xaviermuskie78 to mildlyinfuriating [link] [comments]

2021.12.04 13:47 Dietetykplus Na ratunek odporności. Witamina "D"

submitted by Dietetykplus to warsaw [link] [comments]

2021.12.04 13:47 Ostars1 Drain cover dog safety help please

Hey guys, I've got a quick question. I recently moved into a place and I have three dogs and they all play kind of rough with each other. Often times moving in a direction their body is not moving them into. And I have this concrete drain cover in my backyard with a few holes on either side. Less worried about the concrete covering more worried about the hole. They don't really want a dog to turn an ankle. Any suggestions on solutions or coverings? I'd also still like this drain to be able to drain.drain cover
submitted by Ostars1 to dogs [link] [comments]

2021.12.04 13:47 lutherxxa Looks Great Goku Tripping Design

Looks Great Goku Tripping Design submitted by lutherxxa to trippieredd [link] [comments]