<prompt> Human: Hey guys. Im a newly graduated engineer and frankly Im not well versed in the financial world. I went through a state school and got a great education thats been well worth the investment, and Id just like to get out of debt as quickly as possible.Basically I have 16 loans between the rates of 3.8-6.8 with one loan agency totaling 42k and a parent plus loan at 8.8 at 10k. Any and all help is appreciated, as I really dont know where to start or who to trust.  <response>: If youre newly graduated, you might not get much benefit yet. You can get lower rates on a refinance if you have income and credit history to support this. You would talk to a company like SoFi that specializes in this sort of thing. You would lose the option for deferments and income-based repayment on your federal loans. 