I got your PM (for the board's reference, OP PM'd me regarding my "Gaming REPAYE" thread, which kind of blew up here). Good for you thinking critically about this.
@jezebel has given you tremendous advice thus far.
First, and as she already correctly opined, I would definitely not refinance because you lose your federal loan rights.
Second, I would pay off your loans. My situation is different from yours in that my debt was considerably larger. This made the benefits of REPAYE better for me--interest forgiveness was better, forgiveness at the end was better, and I would ultimately pay less over the long term using REPAYE than if I tried paying them off.
I hope you read my entire thread, because the biggest point of my strategy is this: at worst, I would have used REPAYE as a short term hedge to increase my cash flow, increase savings at a young age, and if I ever made a ton of money, then I could pay them off with ease. That thread includes these posts from me:
This, I think, is the most plausible result. I think REPAYE is a great hedge and provides infinite flexibility when it comes to my cash flow. I can modify my repayment philosophy at any time.
If I start making a ton of money soon (i.e., more than $150,000) then yes, I might just pay it off. But I think the math strongly favors using PAYE as a hedge until that income breakthrough happens (I can elaborate on this much more if you want).
Bottom line: doing REPAYE is a temporary hedge that allows you to build up assets. You should use it because the worst case scenario is that you make too much money, and 10% of that money (actually less than that) will go to your loans.
Currently, I am still at a point where I am using REPAYE. I've been using the program for about three years. I've paid probably $4,500 towards my loans and they have only gone up about $9,000. My wife and I have also saved $115,000 in retirement assets, bought a house, paid off her car, and currently have about $22,000 in cash.
However, I just started my own law office, and my income is probably going to increase this year. If it keeps on increasing and keeps on increasing, and say there's a year where I blow up and make $300,000, I'll just pay the damn loans off and move on.
So all of this brings me to you: I don't think your situation is comparable. You have a decent amount of cash and $75,000 in loans. If you really do have an extra $1,000/month, then seriously go for paying these off. If you want to save a bit, then put 75% towards loans, 25% towards savings, or whatever. But if my loans were only $75,000, I would have paid them off ASAP.
Best of luck to you.