NG
The 2nd will always be be at a much higher rate. I would just take a 30 year fixed on the whole thing. Then figure out how much more you would have been paying now with 2 separate loans and make additional principal payments in that amount. With big principal payments coming in on the front end of your loan you will save a ton in interest over the life of the loan, will pay it off much faster than 30 years and can give yourself payment relief anytime you want by stopping the additional principal payments.
