One of the bro's had a ratbike going with a hardtail and a bitch bar setup like in the picture. Bitch bar broke rusty POS, hit the judge in the head...he won
Also my rub with student loan was you paid the interest first before the principal came to be paid. Putting it into a simple loan allows you to put down on the principal without penalty. Stretch it out make it manageable and improve credit score. Get locked into a fixed rate. You look at the fine print student loan can get to 25%
It needs to be better than a point to make it worth it I was told. Closing costs were 2k with appraisal $1700.00 without. I put it on the back end of payment so no out of pocket.Don't need an appraisal bought less than 2 year's ago. I was at 15 when we were working. Went to 30 for smaller payment in retirement. It's not going to be like this for long. Good luck
Spoke to the bank about a refinance while interest rates are low. I'm at 4 5/8 going to 3 1/8 at a fixed 30 it will drop my note $180.00 to less than 1k a month. FYI