<prompt> Human: Hi all,So I have around 210k of SL from undergrad and law school. 100k of which is private SL. Im currently on IBR for the federal loans. I started working three months ago but applied when I was unemployed so my payment is 0. I make 45k a year win bonus but I have no idea what they will be. I pay 900 a month in private loans to discover. Interest range from 6-7. I called them an they offered me two types of plans. One plan would lower my monthly payment to 670 a month for 6 months but all the interest accumulated during that time is capitalized at the end. They also have a plan that extends the loan for 6 to 12 months and brings the payments down to 260 and 160 respectively. No capitalization at the end but interest obviously accrues. Now my parents have offered to give me around 75k to help pay off some of my loans. They plan are refinancing their house to do so. Im a little hesitant about this as much as I appreciate it I just dont want to see them screw themselves over trying to help me. Now I talked to my parents and they think taking the 12 month plan is a good idea to keep my payments low while I try to refinance through sofi or something similar. I was recently denied but I took a 50 point credit hit right after the bar for opening a credit card, switching banks and leasing a car for work. So its already up 25 points back to 700 and hopefully in a couple months I can refinance, also have money from my parents and be closer to a bonus or raise at work. All the while Id be paying as much as I could afford. Probably around 700 month for those SL. I appreciate your thoughts. Edit: Below is my breakdown of my loans. I really appreciate any advice. Federal LoansDirect Stafford Unsubsidized Great Lakes 1: 2014Current Balance: 22,146.63Original Balance: 20,500Interest Rate: 5.96Direct Stafford Unsubsidized Great Lakes2 2013Current Balance: 23,063Original Balance: 20,500Interest Rate: 5.16Direct Stafford Unsubsidized Great Lakes3 2012Current Balance: 25,145.99Original Balance: 20,500Interest Rate: 6.55Direct Stafford Unsubsidized Great Lakes4 2010Current Balance: 10,214.46Original Balance: 7,500Interest Rate: 6.55Stafford Unsubsidized Great Lakes5 2009: 100 MonthCurrent Balance: 9,307.96Original Balance: 6,500Interest Rate: 6.55Stafford Unsubsidized Navient 6: 2008Current Balance: 8,206.43Original Balance: 5,500Interest Rate: 6.05All of these loans are in repayment but the monthly payment is 0.00 under IBRPrivate LoansUndergrad Discover: 350.10monthCurrent Balance: 38,545.21Original Balance: 30,290Interest Rate: 7.125Law Discover 1Current Balance: 19,700.99Original Balance: 17,871Interest Rate: 7.615Law Discover 2Current Balance: 18,788.17Original Balance: 16,432.00Interest Rate: 5.99Law Discover 3Current Balance: 18,572.01Original Balance: 15,355Interest Rate: 6.54Bar Discover 4Current Balance: 16,540.57Original Balance: 16,000Interest Rate: 4.115 VariableLaw Discover 1-3 and Bar Discover 4: 544.65 Payment  <response>: If they want to cash out refi and give you 75k, it might not be in their best interest, but its probably in yours to take it and pay it straight to the loans with the highest interest rates.Refinancing probably wont help you that much, but if you can you should do it unless there are fees involved or anything else like that. 