Do you wish you didn’t have student loans? While they haven’t yet created a time machine that will allow you to go back and not borrow all that money for your degree, there are ways that you can make your debt more manageable. Two of those ways are to either consolidate or refinance your student loans.

Here’s the dirty secret no one tells you about graduating from med school: just as you’re finally getting a chance to celebrate your accomplishments and catch up on sleep, you’ll get a rude awakening from an unwelcome guest: your lender.