{ "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?

Posting as :
works at
You are currently posting as works at

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.


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

Additional Posts

Let's flip the script. 5 ways Trump can surprise us all during his tenure as Leader of the Free World? 🇺🇸 🇻🇮 🇺🇾 🇺🇿 🇻🇺 🇻🇦 🇻🇪 🇻🇳


I found out today that my mid-70s mother converted the $40K or so she got when she and my dad divorced in the 90s to a net worth of almost $1M today. She got a little bit of money when my grandparents died, but she essentially did it on her own with some savvy investments and living very frugally (she was a SAHM and never had a paying job). My dad was TERRIBLE with money, so I’m especially proud of her for figuring out how to come out ahead. I told her she needs to write a book. Go Mom!


Hi Friends, Anybody working in Adobe in the payroll of another company? Need to clarify few details please.


Any one ride on Amtrak recently? How safe did you feel during your experience?


What's y'all experience with salary bumps and internal moves? Is there some % rule? Is it normal for internal recruiter to ask me what I'm currently at? Even though I shared my desired range? Besides feeling kinda insulted & not treated like any other external candidate I don't feel ok w/ the info to be shared further with the new team. Isn't this that kind of personal data that should be confidential? Even for the internal move? Struggling to understand this. No wonder ppl job hop so much


Advice on giving notice to leave for private? I feel a lot of guilt both about leaving the agency and government, generally.

Memorial Day is significant for many reasons. How are you planning to celebrate the first three-day weekend since WFH-life began in March? Have a great weekend, and stay healthy and safe! 🇺🇸 😎


Has it happened to anyone here ? Just after baby, you and your partner, both looses interest in sex and it's not the same as it was before ??


Anyone know anything about Bain capital ventures ? Is it a tier 1 vc, what is comp like, exit opps, etc?


Hi everyone, I’m doing some prelim market research. If you work in a professional services / consulting form I’d appreciate if you could help me out with answering a few questions. 1. What timesheet do you use at work? 2. How would you rate your timesheet from 1 to 10? (1 being hard to use, time consuming, hate it, and 10 being great, easy to use, quick) Thanks!


Not looking for judgment here. Son is almost 16 and refuses the vaccine (has good research to go with decision). Hubby and I both vaccinated. When do I let go and allow him to be an adult and when do I trump his free-will with the mom card?


PSA: Gaga has new music out today 😍

Post Photo

Strategy dudes ... with british accents. Amirite?


When that one staff does yet another judge worthy thing and everyone gets quiet and starts frantically typing. You know Skype is lit. 💅🏾💅🏾💅🏾💁🏼💁🏼💁🏼


Anyone knows a good tax advisor in Illinois that can deal with international tax? I have a quite complicated situation with several income streams abroad and def need help. Thanks!


Is Zendesk a well know brand? Like a step below FAANG?


25yr old employee takes screen shots of people’s online conversations and blasts them out. I am old school Ad world - you always protect the privacy of others. They see nothing wrong. Thoughts?


Pre vs post tax TC in California

Post Photo

Can this be used as Tinder? 😂


Hey everyone, needing some creative help. I work in the financial and accounting industry doing marketing. I am trying to come up with some creative social media campaigns, but running into problems with 1. A “boring” industry, 2. A highly regulated industry, and 3. Lack of staff interaction. Looking forward any advice if you all have been in a creative rut- or how to get employee engagement. Thanks!


New to Fishbowl?

Download the Fishbowl app to
unlock all discussions on Fishbowl.
Download Fishbowl to see what others are saying
That was just a preview…
Sign Up to see all discussions
  • Discover what it’s like to work at companies from real professionals
  • Get candid advice from people in your field in a safe space
  • Chat and network with other professionals in your field
Sign up in seconds to unlock all discussions on Fishbowl.

Already a user?
Login here


Embed this post

Copy and paste embed code on your site


Download the Fishbowl app

Get realtime notifications and see
what's happening in your industry
from the palm of your hand.

For account settings, visit Fishbowl on Desktop Browser or