Need advice to structure a note to refinance student loans.

[Connor Dunham]

So, I've recently applied to a few banks that refinance student loans (earnest, sofi, and commonbond) but was rejected (I'll explain more to anyone over PM if you're interested in the back story). So, my thinking is (while I'm waiting to meet their monthly free cash flow and reserves requirements) that I would ask BP note investors a few questions: Would you invest in an individual with a professional degree (MBA, MD, Law, Dentist, or Engineer) directly? If so, what requirements would you look for in an individual to carry a note worth 80k, 15 year term and a 10 year call? Also, what rate would you use for these requirements?