oh, and to answer your other question, no, I don’t think BofA is a solid outfit, but I do believe that if davelj said he got a 4.25% loan (4.6% APR) from them, then he did.

That said, what I meant by solid is do you have experience with aimloan? Do you know that they routinely deliver on the rates they advertise?

Or was it the best rate you could find at the time on the always factual and consistently reputable interweb?

The data, sir, that I prefer to run with is what I put forth. Something like freddiemac’s averages for the last week. These seem at least representative of what one should conservatively use for penciling things out.

Could I, personally, get a better rate? I’m almost certain of it. Could you, probably. Others reading your “this isn’t advice,” maybe not.

Do me favor and don’t misguidedly throw the professor’s sage advice at me again.