If you're in school, they probably expect you to defer your loans. Call SoFi or whoever and ask them if they'd even consider you because of the situation, at least that way you don't waste the time with the application if they won't.
However, with your income, you should be able to pay them off in a year or 2, even with the higher rates. Ideally, you'll be able to refi to a lower rate then you can hammer away at them. However it ends up, do a debt snowball, highest to lowest rates.