<prompt> Human: Last year I graduated college with about 90k in student debt from paying private tuition and books and such. In order to cover the gap from federal loans I also had to take out private loans from Sallie MaeNavient. In total I pay Sallie MaeNavient about 900 dollars a month, and on my federal loans about 227 which I previously was able to get my payment lowered on. Im able to afford to pay them fine right now but Im 24 and still living with my parents but I want to move out soon. I would not be able to afford rent and other living expenses with these loans. Should I refinance them? I was told by Sallie MaeNavient that they cant lower my payment. Is this true or should I push harder?  <response>: Theyre not required to do anything to lower the payments. Its a loan just like any other loan. You cant lower your car payment or mortgage without refinancing because you want to pay less each month.You may or may not be able to refinance. You have 90k in debt and take home 2kish per month so make 30kyear based on my super lazy math? Youre likely not a very attractive candidate for refinancing. You can try if you have a decent credit score but there may be nothing you can do. 