Hi. My wife was planning to apply for PSLF but it doesn't seem to make sense anymore. She has federal direct Stafford unsubsidized loans.

Her loan amounts are the following:

1) $4,970 @ 5.31%

2) $20,923 @ 5.84%

3) $22, 802 @ 6.21%

Total Principal - $48,695

Weighted Average Rate - 5.96%

She has 10 years to pay this off and with the interest, the total paid will be $64,756 ($16,061 of interest). She currently has to pay $525 a month.

Because the total that she'll pay will exceed the principal, PSLF won't make sense to us. We're thinking of refinancing the loan. I've seen places such as SoFI, Earnest, and the likes offering low interest rates. Is there any that someone recommends and should we go fixed or variable? Our household income is about $140k and our credit scores are 795 and 768. Thanks!