Student loans stink. To make matters worse, figuring out what to do with them can seem complicated. Here I present a flowchart that should help clear up the confusion.
The new REPAYE program complicated the decision about whether or not to refinance as a resident. The 50% interest subsidy basically lowers your interest rate during residency, and the effective rate might even be lower than you can get from a private company.
Student loans really suck. But starting in 2013 refinancing them became possible again. This competitive marketplace is constantly evolving for your benefit and there are now six companies offering a special deal to WCI readers to refinance their student loans to as low as 1.9% variable, including two that will refinance your loans even while you're still in residency!