u/Booksnotboobs

Hello. I'm in my early 30s, currently make ~200k+ in my corporate job, and am starting medical school in less than a month. My decision is made but I would like perspective on how best to navigate the next few years

I have ~300k in stocks (260k is in tax advantaged/deferred accounts). I have 30k in cash.

I have 90k in federal loans from a masters. My school is about 50k / year, so I'll run into the federal loan cap. I was going to take out purely federal loans before this change and forgot about the cap. I'm looking at private lenders now and the interest rate is 2% lower. Obviously I'd be foregoing the federal protections, but I also don't have much choice

My thoughts:

• take the private loans now so I benefit more from the lower interest rate
• Don't cosign because I don't want to straddle my wife with debt she won't be able to pay off (she's not on a high paying career path)
• We want to have a child in the next year or two so I should take more loans to cover that expense (don't touch cash unless absolutely necessary)
• My investments will probably increase enough over the next 8 years I'll be at 0 NW

Any feedback or advice is greatly appreciated