<prompt> Human: As the title says I have about 31k in student loan debt. I wasnt able to find a well paying job after college so right now Im not paying any mothly installments Income based payments. Is it a good idea to refinace my loans through Sofi or wait until i generate enough income?  <response>: Need more details. What do you mean that you werent able to find a well paying job after college? What are your monthly income and expenses? What are your loan rates? When you say you arent making any monthly installments, does that mean you are just not paying your loans? 