<prompt> Human: First time posting here so forgive me for any faux-pas or formatting issues. I just got done paying off my car and credit card, so Im finally ready to get relatively aggressive paying off my student loans 29k. I have a great credit score 796 and ok income 3200 monthly net, so Im not worried about getting approved for the best rates. Im hoping some of you can share your recent experiences with refinancing...Should I go with a larger company like SoFi they keep sending me offer letters, but I am inherently distrustful of unsolicited advertising, or do I talk to my credit union? Regarding the bigger companies, who has the best rates and customer service? Thanks in advance, and hopefully this discussion can be useful for more than just me.Edit: Information Added  <response>: Go wherever they give you a good rate. Sofi is legit. 