<prompt> Human: Hey everyone! Lets start this off... Im 26, make 65,000 a year, and I pay 250 for rent in NYC. I get paid biweekly 1900. My credit is sitting around 803.Im looking to refinance my Sallie Mae loan of 12000 originally was 24000 which have a glorious interest rate of 10.125 variable, keeps going up every 3 months. I was supposed to have this loan paid off in 2023, but Im refusing to let my interest pile up that high. My monthly payment is supposed to be 500 yes, seriously.To combat my interest rate, Ive been paying off 2000 USD a month.. so Im looking to have these loans paid off completely in 5-6 months at this rate.Ive been pre-approved with SoFi to refinance my Sallie Mae loan. Theyre tentatively offering 4.75, 5 years, and 226.45 monthly. Im still planning on being aggressive with my repayment, but to be honest fuck Sallie Mae.I think I need some perspective here. My personal repayment plan is aggressive, but 10.125 variable is also aggressive. They increase this every 3 months and Im pretty sure its because Im paying off my loans too fast. Should I refinance? Should I not? Any thoughts on SoFi? EDIT: thanks for your input everyone! I went ahead and submitted my application to refinance. Ill probably be back here when I go through my federal loans yay.... I think Im going to dock my repayment to 1000 instead of 2k and use that extra money to fund my savings account. I really appreciate the responses. Also, fuck Sallie Mae.  <response>: That variable rate is going to go up, the fed is forecast to keep raising. Refi into the lower fixed rate, keep up your aggressive payments and have some wiggle room if something unexpected happens.Also fuck Sallie Mae. Dont give them more money than you have to. 