15 years @ 3.5% or 30 years @ 5.125%

[Shauna Adams]

Hello BP Community,

I am interested in buying duplex for $200,000. I have the following loan options 15 years @ 3.5% or 30 years @ 5.125% both with a 25% down payment. I am currently a high income earner but will possibly go back to school within the next few years which would decrease my income. Are there any opinions on which option is best?