you definitely gotta refinance. I went from a 7.3 to a 3.0 and now I'm actually making progress on the payments instead of just paying a bunch of interest every

you definitely gotta refinance. I went from a 7.3 to a 3.0 and now I'm actually making progress on the payments instead of just paying a bunch of interest every month. the favorable(ish) terms with the government are not worth the extra money