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glad I realized that I needed to refinance my variable interest rate loans into a single fixed loan at ~2% APR after graduating.

I think I would have been screwed in this current climate.

IIRC, I received those loans at an advertised “teaser” rate of 1-2% APR, but since they were variable the percentage tended to increase over the years - 5-6% APR before refinancing.



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