Re-financing question

You need to consider your moving plans.

Do you NEED to be out of the house by a certain date? If not, I sincerely suggest you stay @ home & work two jobs until july or august.

Considering what you’re trying to accomplish, there is no reason to pay the extra $200 - $800 a month to have your own place ASAP, when those funds can go towards getting rid of the financial concerns.

Beyond that… how much would it cost you to commute 45 minutes, once school starts? I would assume that it would be less then renting an apt in Rochester…

$0.02