u/BatFamous4925

Hey everyone! I’m starting PA school next month and feeling torn between private vs. federal loans
I would love some input from people who’ve been through this.
I was grandfathered into Grad PLUS loans, but the interest rates are brutal.
I have a strong credit score, and my husband just finished residency with 3 years of fellowship ahead before he hits his full attending salary.
I’ve been leaning toward private loans since I’d likely qualify for a lower interest rate (with my husband as a co-signer).
Also, I’ve come across some loans that doesn’t start accruing interest until after graduation unlike federal loans where it kicks in right at disbursement.
My thinking is that I could pay them off faster and save money overall.
That said, I’ve never taken out loans before and want to make sure I’m not missing something. Has anyone navigated this decision? What would you consider in my situation?