<prompt> Human: Hey yall, So Im currently paying off two student loans. Loan A: 13,284.79 3.64 fixed 5 years into a 15 year term. Loan B: 13,269.83 3.65 fixed 5 years into a 15 year term. Offers from SoFi and the like range from 4-5 interest over a 10 year term. My question, because the degree Im paying off had nothing to do with math, is this: Are the two loans, both with the 3.65 rate, with 10 years left on the term a better deal than a consolidated 4-5 over 10 years? Thank you in advance!  <response>: Yes, a lower interest rate over the same rate will save you thousands. Theres no reason to refinance to a higher rate. 