<prompt> Human: Hi all,I graduated in May 2014 with about 97,000 in debt and have worked it down to about 85,000 now. Heres what that looks likeFederal Loans21621 - 6.55 3297 - 4.2512216 - 3.619446.01 - 3.15Firstmark14385 - 6.24 Variable 14337 - 5.74 Variable 7705 - 4.74 Variable Perkins Loan1625 - 5.00I currently have an open application with SoFi good until September 1st to refinance the loans that are starred. I was offered a fixed 5.5 loan and 7 year repayment Monthly payment about 830. I currently live rent free for 1 more year until I have to move out, and I make 50,000 and will probably get a raise to 55000 at the end of the year. Im not eligible for any loan forgiveness programs as far as Im aware Im a teacher, but I am not, and will never be certified. Does it make sense to refinance? Please let me know what other info Im missing to help make a better decision.  <response>: Im not eligible for any loan forgiveness programs as far as Im aware Im a teacher, but I am not, and will never be certified.This is unclear. Your eligibility for PSLF does not depend on your certifications. It depends on your employer and your type of loan i.e. Federal Direct loans.As long as you are employed in either a government or non-profit organization, you should be eligible for PSLF, regardless of your actual job. 