Which are very crappy, but it depends to your pricing: One thing that goes for those who key regarding government money-passionate repayment so you can individual consolidation/refinancing is that your accrued attention tend to cash in. $180k at 6.8% Annual percentage rate accrues $12240 each year in the appeal. $220k at step three.5% Annual percentage rate accrues $7835 the original 12 months inside...