The real play here might just be to take a step back and evaluate if this deal is going to actually set you up, or ruin you financially. 

I looked at Law Depot online but that template won't work for us as it requires an interest rate to be input.

Reviews and presence online are a must.

What are the few possible outcomes that can play out this coming Wednesday?

Also loss history can play a significant role. 

Not sure if you plan on pursuing a higher education, but that can be a factor that comes into play as well.

It's interesting how everything will play out, I actually don't expect significant rate cuts until next year but who knows.

Along with risks of natural disasters some areas of the country are also more litigious or even have more uncertain jury pools and that can also play into insurance pricing.

Thanks to zoom, many musicians are teaching lessons online so they have a wider audience and can operate from anywhere. 

I'd attack the credit report :) 1) lower (pay down) whatever accounts have a high utilization percentage 2) contact each of 3 major consumer credit agencies and get a free report, then dispute every hard inquiry that is *NOT* associated with an open account 3) call the credit cards you already have established and ask for a credit line increase -- often can be done online and they do not verify income, hint hint.