zweitbester wrote:My general stance on these things is "refinance where you can get the lowest interest rate possible."
This makes sense, but I think you also have to factor in the loss of the safety net and other favorable repayment considerations (e.g. PLSF) when you have something like $250k in student loans. With that said, if you're sure that you're going to stay in private practice, I think your point re: refinancing, making min payments, and stashing the extra money for when you get shitcanned makes sense.
zweitbester wrote: Yeah, I get the general paranoia about getting shitcanned from biglaw, but I don't get the general paranoia that one wouldn't be able to earn at least $100,000 a year thereafter. That salary is more than enough to service this debt.
$100k /year with being merely 3 years out of law school sounds really high for most non-NYC markets. $100k /year sucks in NYC, especially if you're going to need to make student loan payments out of that ($100k is like $65k /year take home in NYC, at best).