<prompt> Human: I was given the option of refinancing my loans at a 15 year rate, and a 10 year rate.Im planning on paying the amount for the 10 year rate, but Id like the cushion of the 15 year rate, its about 180 less per month.I cant think of any reason why this would bite me in the ass, but its such a big decision that I wanted some feedback.  <response>: Only downside is that the interest rate is higher on the 15 years loan. 