<prompt> Human: Basically, the majority of my student loans are unsubsidized with a 6.55 interest rate. The popular refinancing companies like SoFi or Laurel Road advertise much lower rates. Has anyone done this? Were there any unforeseen fees? Is there any reason NOT to refinance for a better rate?  <response>: I refinanced a 35k loan at 8 to 3.5 with SoFi. I dont recall any fees so if there were some they were small, and the process was smooth as silk. Plus, SoFi seems like a pretty cool company.You do lose the ability to do things like deferment and income based repayment, and the term was shorter, but none of that bothered me, since I want to pay the loan off as fast as possible. 