If I were you, I would try to avoid stretching the repayment period to more than 10 years. For some reasons, I am more afraid to owe the government money than I am with other private lenders such as practice loan, home loan, car loan etc. The same thing with the IRS…. I’ve always over-paid the estimated taxes every quarter and then I get my money back when I file the return. Having little money in the saving/checking accounts forces me to discipline myself to spend my hard earned money wisely.
How about just making the required minimum monthly payment by getting a P/T job at a corp? With a P/T job at a corp, you should have some extra free days in the week to run your own OS office. Once your own office gains enough referrals from the GPs and has fully booked schedule, you can quit your job at the corp. That's what a few OMFS's, who work at the same corp with me, are doing right now.
