My university has an all -expense paid loan program that is forgiven if you do primary care. I took the loan during my 1st and 2nd year 100% sure I would do primary care. Now I fell in love with OB and have to pay back this loan money. The big catch is that it has 15% interest from the time I signed!! Does anyone know of a source to get a big lump sum (approx $72,000) at a lower interest rate? I am currently an MS3 and will be getting federal loan money for my last 2 years.