<prompt> Human: I have about 41k of student loan debt, it was about 50k two months ago and im aggressively trying to pay them down.I was able to get a SoFi reconsolidate offer at 5.25 most of my loans are at 6.8 now, and one is at 5.65 - which was higher than i expected, considering I have a 790 credit. Regardless, I will save about 1500 over the course of the loan if I refinance. HOwever... I am really scared of doing so. If you do, you lose all ability to do income based repayment, so if I lose my job or have an emergency during the next 1.5 years, I could really slide backwards and quickly start wracking up debt or get suedlose everything. Anyone taken a similar plunge? What are your thoughts?  <response>: I havent used SoFi to refi student loans, but I do have a consolidation loan through them. Look into their member services They offer unemployment protection during the life of your loan and some other benefits as well. 