<prompt> Human: Im not sure if once I refinance if they would be treated as private loans. Should I buy life insurance in the amount of the loans so that if I die everything will be ok?  <response>: Should I buy life insurance in the amount of the loans so that if I die everything will be ok?Do you have dependents?If not, do you honestly care what happens to your loans once you die?Furthermore, have you been approved to refinance your loans with sofi? You might be putting the cart in front of the horse here. Its not open for everyone... 