When to Refinance?

Does anyone have any insight on when people normally refinance there loans? After they get hired by airline or during there time instructing, after certain amount of payments made or what? Just trying to get some insight on it, have been approved for the loan and have a high interest rate, So just getting some ideas from people who have refinanced or talked to the bank about it. Thank you!


I received tuition reimbursement from Horizon while instructing for ATP and for the first 12 months as a First Officer.

I decided to refinance about a year or two after getting hired at Horizon. I was able to reduce my interest-rate from 9% to 5%.