That’s a lot of debt. And the way payments are scheduled, you’ll wind up paying a fortune in interest rates. Actually, you have some of the lowest interest rates I’ve seen on student loans! So instead of refinancing, why not concentrate on paying DOUBLE the monthly payment — which means you’ll save a lot of interest and get out from under much faster. If you could earn a little extra money each month, or cut back on some extras, it would really be worth it to pay down those loans faster.