2 questions. First, my state has a med loan that is 2% above the 90-day Tbill rate and automatic residency deferment. Am I kidding myself that this will be ebtter than the 8.5% GRadPlus with qestionable deferment?Second, does private, deferred student loan debt affect your credit any differently than federal, deferred loans?
So, it's worth it? The T-bill should be low enough long enough to pass on the fixed 8.5% federal loan?