<prompt> Human: Hi there! This upcoming year, my 1 priority is re-working my financial situation. Im going to budget better, start saving, and work extra hard to pay down my debts so I can start feeling a little more stable and financially comfortable.For Christmas and my birthday this year, my mother paid off one personal loan I had to take out earlier this year when I lost my job, and shes paying about half of my student loan off. Currently, I have a Direct Subsidized student loan through Navient with a balance of 3,102.17 at time of writing and a 4.040 interest rate. My mother wrote me a check for 1500 that I can put toward it after the New Year. My minimum monthly payments all Ive been able to make toward it in my current financial situation are 50.37, with the next due on 108. Im certainly putting the money my mom gave me toward Januarys payment, then the rest to the principle balance but Im wondering what to do next.Assuming its possible I have to reach out to Navient to see, would it help me technically pay off my loan sooner if I refinanced it so that my monthly minimum payment is lower, keeping my target pay-off date the same, but I continued making the 50 monthly payments? Is this even an option I have, and would it be worthwhile? Sorry if this is a silly question -- this is all relatively new territory to me and it was just an idea that popped into my head. : Thanks, and happy holidays!!  <response>: After your mother writes you a 1.5K check, youll have a little less than that left to pay off. Theres no reason at all to refinance. Whats leftover can easily be paid within months. 