Bit of background: I currently have about $70k of student loan debt, which I have consolidated at a 5.5% rate (that's with auto-pay discount). Right now I'm on a fixed rate repayment plan for the next 27 years, which is about $420/month, but I'm aggressively trying to pay it down and giving almost double that every month.
Obviously I want to pay this down as fast as I can, so I was looking into refi programs. So far I've look at SoFi, Earnest, Citizens Bank, and Laurel Road. But all the rates they quote are more than the 5.5% I'm paying now, unless I do variable (seems like a bad idea) or a 5 year term (payment would be too high).
Are there any other options I'm not considering? I think I have good credit (high 770s) and would love to get my rate down into the 4% range.
Wow! That is really good... Sadly I'm in Texas, and it looks like all of their branches are in California...