Education loan financial obligation is increasingly becoming a factor to stress, burnout, as well as committing suicide in health practitioners as well as other professionals that are high-income. Refinancing personal student education loans is a no-brainer anytime it is possible to reduce your rate of interest, even as an intern. Direct federal student education loans may be refinanced right you will not be trying to qualify for Public Service Loan Forgiveness and can get a lower rate than the effective rate after the REPAYE subsidy is applied as you know.