<prompt> Human: My fiance has about 135k in private student loans was Sallie Mae, now Navient. Interest rate is between 4.12-4.75 depending on the loan. We are making the monthly payments OK, and even trying to make extra. But Id like to attack this from the interest rate side to reduce overall costs. What options do I have to possibly re-finance this debt to a lower rate? Thanks!  <response>: Lower than 4 for a student loan is essentially impossible to come by. Make extra payments on the highest rates and go down from there - its really the only thing to do in your situation to minimize interest paid. 