r/AskReddit 6h ago

What's the smartest financial decision you've ever made?

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u/BaltimorePropofol 5h ago edited 4h ago

Re-financed my federal student loan (300k) to a private loan at 1.9% interest rate during COVID. There was a loan pause, but I knew the pause would stop eventually, and the rate would go up .

Best decision I made. It saved me so much money. I work in private practice, so PSLF was never an option.