{ "media_type": "text", "post_content": "Question on Loans: If you’re taking out all private loans and plan to refinance them post-graduation, is there any reason not to choose the longest repayment plan/lowest monthly payment since it will all be refi’d anyways?", "post_id": "610c6771c671fc002369e3e0", "reply_count": 2, "vote_count": 2, "bowl_id": "5988685d311f0a001042963a", "bowl_name": "MBA Applicants", "feed_type": "bowl" }

Question on Loans: If you’re taking out all private loans and plan to refinance them post-graduation, is there any reason not to choose the longest repayment plan/lowest monthly payment since it will all be refi’d anyways?

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A longer repayment will have a higher interest rate, so for the 2 years before you refi, they are accruing more interest. If you are 100% positive about refi-ing, pick a short time frame.

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Got it, so that accrued interest at the higher rate would all be capitalized into principal. Thanks for the help

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