<prompt> Human: Good morning, I need guidance to know if I should try to refinance my student loans or how to pay them off to save the most money. When my payment schedule was created, my estimated principal balance was 21,241.88.On my current repayment plan, including interest and capitalization,mt total estimated amount to be repaid is 25,102.84.I have 5 loans totaling 21,241.88. Your most recent loan was disbursed on 09052014.First Disbursement Date Principle Balance Interest Rate09032010 3,204.34 4.50009022011 4,119.86 3.40009072012 5,121.86 3.40009062013 5,133.40 3.86009052014 3,662.42 4.660Can you please help me know if I should try to refinance or which to pay first or what my best course of action would be to get these taken care of? I also am thinking of buying a house in the next year or 2, and am just wondering if it would be smarter for me to take my time paying these student loans or try to get them taken care of before the house searching buying.thank you!  <response>: The rates are very low. No refi will get you a lower rate, FWIW. 