I have heard of people paying down the loan in full in the first year with a 2nd loan under better conditions.
Didn't realise that AIB would approve student loans at this level unsecured! If they are now offering you an 18 year repayment schedule at mortgage rate equivalent, this sounds like a great deal. You will definitely not get a better deal elsewhere. Take the 18 year repayment schedule. This will give you the flexibility to pay it down more quickly when your financial position improves. I can't see the bank giving ypu a longer term than 18 years. I'm surprised that they would agree to 18 years!
It's shocking to think that you put yourself through Uni putting the hours in and studying and at the end of it there is no support from our government??
yet a person like you who did something with there life gets no help! even though you will be a net contributor to society through your work and the taxes you pay.
This is riduculous, how much did the government/Irish taxpayer subsidise your education?
What is BLR - B Loan Rate?
And the OP appears to have borrowed 110K over 4 years which works out at nearly 30K a year. This is without help from parents or money earner during college summers. How much does a medical student need to live on a year?
If doctors are not well paid in Ireland why on earth are so many foreign doctors coming to work here then? I am sure they not coming for the fine weather so it must be the better pay and working conditions that's enticing them.
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