Ha — great question! The idea of the PSLF program is that if you don’t pay it off in 10 years — and certify qualified employment — the balance will be forgiven. But few people ever qualify (your experience is not unique with having to ‘start over”) and you’re right that they have you on track to pay it off entirely without ANY forgiveness. This program is a FRAUD on the students! I state that clearly. But at least you’ll be done in 10 years!
Why don’t you go to www.SOFI.com or www.Credible.com and check out what you could do in a refi. The way to compare is not by asking the interest rates, but by asking WHAT IS THE TOTAL YOU WILL PAY IF YOU PAY THE LOAN OFF IN 10 YEARS.
That way you can compare that amount with the total remaining balance on your current loan and make a sensible decision.
PS Are you remembering to deduct some of the interest you pay on the loan? This article should be helpful in that regard.