<prompt> Human: As the title states. I have multiple loans from both Sallie Mae, and Nelnet, that have varying interest rates, ranging from 3.4-11. And am currently unemployed. I have received multiple offers to refinance my loans from banks around me, and have looked into sites like SoFi that also refinance my loans. Should I refinance and get the smaller interest rates or what other options do I have?  <response>: Get a job. Any job. It doesnt matter if its in your field or not. You cant afford to be unemployed. 