Refinancing Private Student Loans

Seeking Advice
1

I have about $131K in private student loans spread across three loans, with an average interest rate of around 9%. My monthly payment is $453.

I’m considering refinancing, but I’ve heard negative things about Earnest and SoFi, which were my top choices. Are there any other reputable providers I should consider?

My loans are with Citizens and serviced through Firstmark. Does this make me ineligible to refinance through Citizens?

2

Take this for free students,refinancing involves obtaining a new loan to settle your current ones. Specifically, you would replace your private student loans with a single loan from another private lender, typically aiming for a reduced interest rate.